21 Eli Dr, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 21 Eli Dr, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1985
Square Footage	768 sqft Living Area
Lot Size	47,916 sqft (1.1 acres)
Occupancy	Owner Occupied
Last Sale	$161,500 (2017)
Tax Bill	$44.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`M:C-37 B:0002 L:0064`
Alternative APN	`GARD M:C42 B:24 L:64`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	768 sqft Living Area
Gross Area	1,872 sqft Gross Area
Stories	1 Stories

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch Style
Exterior Material	Wood Siding Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	47,916 sqft (1.1 acres)

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	21 ELI DR
City	GARDNER
State	MA
Zip	01440-1528
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	64
Jurisdiction	GARDNER MA
Minor Civil Division	GARDNER
Census Blockgroup	1
Census Block	1005
Census Tract	707400

Owner

Source: Worcester County and Gardner City records · APN M:C-37 B:0002 L:0064

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	21 ELI DR, GARDNER, MA 01440-1528
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 27, 2017 · Amount on Record
Deed Sale	Mar 27, 2017 · Amount on Record
Prior Sale	Feb 10, 2003 · Amount on Record
Deed Book / Page	56896 / 208
Record Refreshed	Jun 08, 2026

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 27, 2017
Property Address	21 ELI DR, GARDNER, MA 01440-1528
Document Number	56896-208
Book / Page	056896 / 000208
Instrument Date	Mar 27, 2017
Instrument	30376
Transaction Type	Transfer
Record Updated	Apr 18, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$736.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	9 PARK AVE #1R HOLDEN MA 015203019, 1R, HOLDEN, MA 01520-3019

Mortgage

Document Number	56896-211
Date	Mar 27, 2017
Book Page	056896/000211
Instrument	30377

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2047

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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 (-98.97%)	$308,500 (+8.13%) Land $84,900 Building $223,600	$271,035
2024	$4,277.00 (+7.65%)	$285,300 (+15.83%) Land $77,400 Building $207,900
2023	$3,973.00	$246,300 Land $76,300 Building $170,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.