210 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 210 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,198 sqft · built 1935
Lot Size	0.273 acres (11,895 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Sep 1987)
Tax Bill	$69 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:8 L:48`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:8 L:48`
Alternative APN	`M:R-23 B:0011 L:0048`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,198 sqft Living Area
Gross Area	3,369 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,895 sqft (0.273 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	210 ELM ST
City	GARDNER
State	MA
Zip	01440-2375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	DONALD E STUART
Legal Block	8
Legal Lot Number	48
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 · APN GARD M:R22 B:8 L:48

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	210 ELM ST, GARDNER, MA 01440-2375
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 1987 · Amount on Record
Deed Sale	Sep 14, 1987 · Amount on Record
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	210 ELM ST, GARDNER, MA 01440-2375
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58095-268
Date	Nov 28, 2017
Book Page	58095/268
Instrument	132157

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Nov 01, 2027

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	$69.00 (-99.02%)	$486,800 (+3.33%) Land $76,600 Building $410,200	$415,150
2024	$7,062.00 (+2.72%)	$471,100 (+10.53%) Land $69,700 Building $401,400
2023	$6,875.00	$426,200 Land $68,700 Building $357,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

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

Based on FCC filings for 215 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.