274 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 274 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,566 sqft · built 1922
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Dec 2019)
Tax Bill	$5,655 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-22 B:0017 L:0045`

Property Details

APN / Parcel Number

Primary APN	`M:R-22 B:0017 L:0045`
Alternative APN	`GARD M:R22 B:18 L:45`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,566 sqft Living Area
Gross Area	3,345 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	274 ELM ST
City	GARDNER
State	MA
Zip	01440-3923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	45
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	274 ELM ST, GARDNER, MA 01440-3923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALIGN CREDIT UNION
Nov 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Dec 11, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2019 · Amount on Record
Deed Sale	Dec 11, 2019 · Amount on Record
Prior Sale	Sep 27, 2002 · Amount on Record
Deed Document Number	2019134144
Deed Book / Page	61569 / 352
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	61569-352
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Apr 15, 2026
Property Address	274 ELM ST, GARDNER, MA 01440-3923
Document Number	073448-384
Book / Page	73448 / 384
Instrument Date	Apr 10, 2026
Instrument	202628833
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 ELM ST, GARDNER, MA 01440-3923

Mortgage

Document Number	0000028833,
Date	Apr 15, 2026
Book Page	73448/384
Instrument	202628833

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.5%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	274 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66546-24
Date	Nov 17, 2021
Book Page	66546/24
Instrument	160964

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 11, 2019
Property Address	274 ELM ST, GARDNER, MA 01440-3923
Document Number	61569-352
Book / Page	61569 / 352
Instrument Date	Nov 20, 2019
Instrument	134144
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 ELM ST, GARDNER, MA 01440-3923

Mortgage

Document Number	134145
Date	Dec 11, 2019
Instrument	134145

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,655.00 (+10,988.24%)	$410,700 (+14.08%) Land $77,200 Building $333,500	$427,655 (+9.8%)
2025	$51.00 (-99.03%)	$360,000 (+2.59%) Land $70,100 Building $289,900	$389,500
2024	$5,260.00 (+7.08%)	$350,900 (+15.24%) Land $63,800 Building $287,100
2023	$4,912.00	$304,500 Land $62,900 Building $241,600

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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