Worcester County and Gardner City property record for 11 Eli Dr, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 858 sqft · built 1985 |
| Lot Size | 0.598 acres (26,042 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $103,000 (May 1999) |
| Tax Bill | $44 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C37 B:4 L:70 |
| Primary APN | GARD M:C37 B:4 L:70 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 858 sqft Living Area |
| Gross Area | 1,781 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,042 sqft (0.598 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 ELI DR |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | CHICOINE CONSTRUCTION INC |
| Legal Block | 4 |
| Legal Lot Number | 70 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:C37 B:4 L:70
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 ELI DR, GARDNER, MA 01440-1528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK |
| Aug 11, 2017 | Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 1999 · Amount on Record |
| Deed Sale | May 12, 1999 · Amount on Record |
| Prior Sale | Oct 09, 1997 · Amount on Record |
| Deed Book / Page | 21374 / 133 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 11 ELI DR, GARDNER, MA 01440-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2024 |
| Name | Verified Name |
|---|
| Document Number | 070112-157 |
|---|---|
| Date | Jan 19, 2024 |
| Book Page | 70112/157 |
| Instrument | 4595 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 11 ELI DR, GARDNER, MA 01440-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 57570-318 |
|---|---|
| Date | Aug 11, 2017 |
| Book Page | 57570/318 |
| Instrument | 87668 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2037 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $44.00 (-98.96%) | $310,300 (+10.35%) Land $77,900 Building $232,400 | $300,580 |
| 2024 | $4,215.00 (+2.36%) | $281,200 (+10.14%) Land $70,900 Building $210,300 | |
| 2023 | $4,118.00 | $255,300 Land $69,800 Building $185,500 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 39 locations within half a mile of this property.
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