262 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 262 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,605 sqft · built 1900
Lot Size	0.282 acres (12,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,000 (Apr 2020)
Tax Bill	$5,155 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0015 L:0043`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0015 L:0043`
Alternative APN	`GARD M:R22 B:13 L:43`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,605 sqft Living Area
Gross Area	3,126 sqft
Basement Area	765 sqft
Unfinished Basement	765 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	12,265 sqft (0.282 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	262 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	43
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707500

Owner

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 Record
Mailing Address	262 ELM ST, GARDNER, MA 01440-3923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 16, 2020	Quit Claim Deed, Transfer · FHA Mortgage NATIONS LNDG
Oct 18, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 25, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Oct 18, 2019 · Amount on Record
Deed Document Number	202038247
Deed Book / Page	62219 / 335
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	262 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067876-107
Date	Jul 8, 2022
Book Page	67876/107
Instrument	74492

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Aug 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 16, 2020
Property Address	262 ELM ST, GARDNER, MA 01440-3923
Document Number	62219-335
Book / Page	062219 / 000335
Instrument Date	Apr 16, 2020
Instrument	38247
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,067.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	262 ELM ST GARDNER MA 014403923, GARDNER, MA 01440-3923

Mortgage

Document Number	62219-339
Date	Apr 16, 2020
Book Page	062219/000339
Instrument	38248

Lender

Name	NATIONS LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 18, 2019
Property Address	262 ELM ST, GARDNER, MA 01440-3923
Document Number	61259-212
Book / Page	061259 / 000212
Instrument Date	Oct 9, 2019
Instrument	110424
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$574.56
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	262 ELM ST GARDNER MA 014403923, GARDNER, MA 01440-3923

March 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 25, 2019
Property Address	262 ELM ST, GARDNER, MA 01440-3923
Document Number	60183-123
Book / Page	060183 / 000123
Instrument Date	Feb 13, 2019
Instrument	25303
Transaction Type	Foreclosure
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$811.68
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	9990 RICHMOND AVE #400 HOUSTON TX 770424546, 400, HOUSTON, TX 77042-4546

Tax Assessment & Valuation

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	$5,155.00 (+10,420.41%)	$374,400 (+8.21%) Land $76,900 Building $297,500	$389,291 (+0.73%)
2025	$49.00 (-99%)	$346,000 (+5.68%) Land $69,900 Building $276,100	$386,460
2024	$4,908.00 (+3.68%)	$327,400 (+11.55%) Land $63,600 Building $263,800
2023	$4,734.00	$293,500 Land $62,700 Building $230,800

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

Flood

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

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

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