247 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 247 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,721 sqft · built 1900
Lot Size	0.1 acres (4,337 sqft)
Owner	2 Individual Names on File
Last Sale	$95,000 (Dec 2000)
Tax Bill	$4,372 (2026)
Deeds & Mortgages	May 2023 Refinance Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:13 L:5`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:13 L:5`
Alternative APN	`M:R-22 B:0052 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,721 sqft Living Area
Gross Area	2,932 sqft
Basement Area	876 sqft
Unfinished Basement	876 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,337 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	247 ELM ST
City	GARDNER
State	MA
Zip	01440-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	5
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

247 Elm St is owned and occupied by two individuals who bought it in December 2000.

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 Record	2 Individual Names on File
Mailing Address	247 ELM ST, BALDWINVILLE, MA 01436-1058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2000 · Amount on File
Deed Sale	Dec 1, 2000 · Amount on File
Prior Sale	Oct 20, 1989 · Amount on File
Deed Book / Page	23272 / 267
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ELM ST, GARDNER, MA 01440-3924
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069132-302
Date	May 15, 2023
Book Page	69132/302
Instrument	37159

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	247 ELM ST, GARDNER, MA 01440-3924
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64824-252
Date	Mar 31, 2021
Book Page	64824/252
Instrument	44390

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	157 Months
Due	Apr 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 247 Elm St was $4,372, up 3.6% from the year before.

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	$4,372.00 (+3.63%)	$317,500 (+8.07%) Land $71,000 Building $246,500	$333,125 (-13.33%)
2025	$4,219.00 (+0.88%)	$293,800 (+5.3%) Land $64,600 Building $229,200	$384,370
2024	$4,182.00 (+2.35%)	$279,000 (+10.15%) Land $58,700 Building $220,300
2023	$4,086.00	$253,300 Land $57,800 Building $195,500

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

Flood

FEMA maps place 247 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 247 Elm St is low, with a 0.01% annual chance of 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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