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13 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 13 Elm St, Gardner, MA 01440

Property Summary

Property TypeMixed Use Commercial Office / Residential
Details8 bd · 3.5 ba · 3,840 sqft · built 1830
Lot Size0.228 acres (9,932 sqft)
OwnerTrust Name on Record
Tax Bill$2,450 (2026)
Deeds & MortgagesSep 2017 Transfer
Flood ZoneZone X (minimal risk)
APNGARD M:R27 B:17 L:7

Property Details

APN / Parcel Number

Primary APNGARD M:R27 B:17 L:7
Alternative APN
  • M:R-26 B:0075 L:0007

Interior

Bedrooms8 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Units8 Units
Stories3 Stories
Building Area3,840 sqft Total Area
Gross Area7,962 sqft
Basement Area1,762 sqft
Unfinished Basement1,762 sqft

Exterior

Year BuiltBuilt 1830
Effective Year BuiltEffective 1830
Architectural StyleOther
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialAsphalt
Lot Area9,932 sqft (0.228 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Street Address13 ELM ST
CityGARDNER
StateMA
Zip01440-2346
Property CategoryCommercial
Property TypeCommercial > Office > Mixed Use Commercial Office / Residential
Local Zoning CodeR1
Legal Block17
Legal Lot Number7
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group3
Census Block3012
Census Tract707500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Gardner Uptown Historic District
listed 1999 · 88 contributing resources · NRIS 99000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordTrust Name on Record
Mailing Address71 NICOLLE TER, GARDNER, MA 01440-4236
Owner TypeIndividual
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 15, 2017
Deed SaleSep 15, 2017
Deed Document Number2017101937
Deed Book / Page57739 / 55
Record UpdatedOct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateSep 15, 2017
Property Address13 ELM ST, GARDNER, MA 01440-2346
Document Number57739-55
Book / Page057739 / 000055
Instrument DateSep 12, 2017
Instrument1937
Transaction TypeTransfer
Record UpdatedOct 4, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address71 NICOLLE TER GARDNER MA 014404236, GARDNER, MA 01440-4236

Tax Assessment & Valuation

Source: Worcester County and Gardner City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,450.00 (+4,8%)$177,900 (-48.91%) Land $41,450 Building $136,450$438,353 (-4.96%)
2025$50.00 (-98.51%)$348,200 (+55.79%) Land $75,300 Building $272,900$461,225
2024$3,350.00 (-6.66%)$223,500 (+0.45%) Land $68,500 Building $155,000
2023$3,589.00$222,500 Land $67,500 Building $155,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemGARDNER WATER DEPARTMENT
serves 21,381 people · EPA ID MA2103000
Water SourceSurface water
Last State InspectionOct 2024
Lead3 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTreatment failure
resolved · Jan 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: Gateway Fiber, T-Mobile.

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