204 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 204 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,435 sqft · built 1935
Lot Size	0.309 acres (13,475 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2016)
Tax Bill	$5,368 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:47`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:47`
Alternative APN	`M:R-23 B:0010 L:0047`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,435 sqft Living Area
Gross Area	3,273 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,475 sqft (0.309 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	204 ELM ST
City	GARDNER
State	MA
Zip	01440-2375
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAWRENCE ESTATE DEV GARDN
Legal Block	8
Legal Lot Number	47
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3014
Census Tract	707500

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	204 ELM ST, GARDNER, MA 01440-2375
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS
Sep 5, 2024	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Prior Sale	Apr 21, 2016 · Amount on Record
Deed Document Number	2016117833
Deed Book / Page	56140 / 49
Transfer Doc	0056140-49
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 18, 2026
Property Address	204 ELM ST, GARDNER, MA 01440-2375
Document Number	0000049684
Book / Page	73738 / 295
Instrument Date	Jun 13, 2026
Instrument	202649684
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 ELM ST, GARDNER, MA 01440-2375

Mortgage

Document Number	0000049684,
Date	Jun 18, 2026
Book Page	73738/295
Instrument	202649684

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	204 ELM ST, GARDNER, MA 01440-2375
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070986-68
Date	Sep 5, 2024
Book Page	70986/68
Instrument	71920

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2044

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	204 ELM ST, GARDNER, MA 01440-2375
Document Number	61295-87
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 ELM ST GARDNER MA 014402375, GARDNER, MA 01440-2375

Mortgage

Document Number	61295-87
Date	Oct 25, 2019
Book Page	061295/000087
Instrument	113046

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Gardner City
Unified School District	Gardner School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,368.00 (+10,028.3%)	$389,800 (+3.89%) Land $85,500 Building $304,300	$413,113 (+17.09%)
2025	$53.00 (-99.03%)	$375,200 (+3.11%) Land $77,700 Building $297,500	$352,830
2024	$5,455.00 (+8.13%)	$363,900 (+16.34%) Land $70,700 Building $293,200
2023	$5,045.00	$312,800 Land $69,700 Building $243,100

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 System	GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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