256 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 256 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,434 sqft · built 1920
Lot Size	0.248 acres (10,802 sqft)
Owner	2 Individual Names on File
Last Sale	$179,900 (Jul 2017)
Tax Bill	$4,439 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0014 L:0042`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0014 L:0042`
Alternative APN	`GARD M:R22 B:13 L:42`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,434 sqft Living Area
Gross Area	3,012 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,802 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	256 ELM ST
City	GARDNER
State	MA
Zip	01440-3923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	13
Legal Lot Number	42
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707500

Owner

256 Elm St is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	256 ELM ST, BALDWINVILLE, MA 01436-1059
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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	Jul 25, 2017 · Amount on File
Deed Sale	Jul 25, 2017 · Amount on File
Prior Sale	Apr 15, 2011 · Amount on File
Deed Document Number	201779084
Deed Book / Page	57467 / 288
Transfer Doc	057467-288
Record Updated	Oct 29, 2026

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 25, 2017
Property Address	256 ELM ST, GARDNER, MA 01440-3923
Document Number	57467-288
Book / Page	057467 / 000288
Instrument Date	Jul 24, 2017
Instrument	79084
Transaction Type	Transfer
Record Updated	Aug 23, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.34
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	256 ELM ST GARDNER MA 014403923, GARDNER, MA 01440-3923

Mortgage

Document Number	57467-291
Date	Jul 25, 2017
Book Page	057467/000291
Instrument	79085

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 256 Elm St was $4,439, 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	$4,439.00 (+3.59%)	$322,400 (+8.04%) Land $75,900 Building $246,500	$355,309 (-1.89%)
2025	$4,285.00 (+1.54%)	$298,400 (+6%) Land $69,000 Building $229,400	$362,140
2024	$4,220.00 (+2.8%)	$281,500 (+10.61%) Land $62,700 Building $218,800
2023	$4,105.00	$254,500 Land $61,800 Building $192,700

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

Flood

FEMA maps place 256 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 256 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 215 locations within half a mile, as of December 31, 2025

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm St

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