253 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 253 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,432 sqft · built 1915
Lot Size	0.31 acres (13,516 sqft)
Owner	2 Individual Names on File
Last Sale	$229,900 (May 2019)
Tax Bill	$4,691 (2026)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:13 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:13 L:4`
Alternative APN	`M:R-22 B:0051 L:0004`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,432 sqft Living Area
Gross Area	5,139 sqft
Basement Area	1,677 sqft
Unfinished Basement	1,677 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,516 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	253 ELM ST
City	GARDNER
State	MA
Zip	01440-3924
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ROBERT C & SHEILA B SPOONER
Legal Block	13
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

253 Elm St is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	253 ELM ST, GARDNER, MA 01440-3924
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2019 · Amount on File
Deed Sale	May 6, 2019 · Amount on File
Prior Sale	May 27, 2011 · Amount on File
Deed Document Number	201940502
Deed Book / Page	60369 / 31
Record Updated	Oct 29, 2026

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 6, 2019
Property Address	253 ELM ST, GARDNER, MA 01440-3924
Document Number	60369-31
Book / Page	060369 / 000031
Instrument Date	May 6, 2019
Instrument	40502
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,048.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 ELM ST GARDNER MA 014403924, GARDNER, MA 01440-3924

Mortgage

Document Number	60369-35
Date	May 6, 2019
Book Page	060369/000035
Instrument	40503

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 5, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 253 Elm St was $4,691, up 9,880.9% 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	$4,691.00 (+9,880.85%)	$340,700 (+3.94%) Land $77,800 Building $262,900	$412,796 (+2.02%)
2025	$47.00 (-99.03%)	$327,800 (+0.92%) Land $70,600 Building $257,200	$404,605
2024	$4,869.00 (+7.13%)	$324,800 (+15.26%) Land $64,300 Building $260,500
2023	$4,545.00	$281,800 Land $63,400 Building $218,400

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

Flood

FEMA maps place 253 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 253 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

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures