280 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 280 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,351 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Jan 2017)
Tax Bill	$4,441 (2026)
Deeds & Mortgages	Jan 2024 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:18 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:18 L:1`
Alternative APN	`M:S-21 B:0018 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,351 sqft Living Area
Gross Area	2,861 sqft
Basement Area	804 sqft
Unfinished Basement	804 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	280 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	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707500

Owner

280 Elm St is owned and occupied by an individual who bought it in January 2017.

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

Owner of Record	Individual Name on File
Mailing Address	280 ELM ST, GARDNER, MA 01440-3923
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

Date	Document
Jan 8, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 27, 2017	Quit Claim Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2017 · Amount on File
Deed Sale	Jan 27, 2017 · Amount on File
Prior Sale	Jan 30, 2015 · Amount on File
Deed Book / Page	56673 / 83
Transfer Doc	0056673-83
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	280 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070075-103
Date	Jan 8, 2024
Book Page	70075/103
Instrument	1658

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2044

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	280 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068229-233
Date	Sep 19, 2022
Book Page	68229/233
Instrument	102327

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 27, 2017
Property Address	280 ELM ST, GARDNER, MA 01440-3923
Document Number	56673-83
Book / Page	56673 / 83
Instrument	10275
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	566730086
Date	Jan 27, 2017
Instrument	56673/0086

Lender

Name	FRANKLIN AMERICAN MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 280 Elm St was $4,441, up 10,473.8% 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	$4,441.00 (+10,473.81%)	$322,500 (+8.33%) Land $76,000 Building $246,500	$343,506 (-0.64%)
2025	$42.00 (-99%)	$297,700 (+6.4%) Land $69,000 Building $228,700	$345,705
2024	$4,194.00 (+2.62%)	$279,800 (+10.42%) Land $62,800 Building $217,000
2023	$4,087.00	$253,400 Land $61,900 Building $191,500

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

Flood

FEMA maps place 280 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 280 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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