Worcester County and Gardner City property record for 285 Elm St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,808 sqft · built 1962 |
| Lot Size | 0.386 acres (16,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $32,900 (Apr 1991) |
| Tax Bill | $5,474 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:R-21 B:0046 L:0028 |
| Primary APN | M:R-21 B:0046 L:0028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| Gross Area | 3,292 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,800 sqft (0.386 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 285 ELM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 18 |
| Legal Lot Number | 28 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 707500 |
285 Elm St is owned and occupied by two individuals who bought it in April 1991.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 285 ELM ST, BALDWINVILLE, MA 01436-1058 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 1991 · Amount on File |
| Deed Sale | Apr 26, 1991 · Amount on File |
| Deed Book / Page | 13355 / 184 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 285 Elm St was $5,474, up 9.4% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,474.00 (+9.39%) | $397,500 (+14.06%) Land $79,900 Building $317,600 | $431,265 (-1.7%) |
| 2025 | $5,004.00 (-5.37%) | $348,500 (-1.22%) Land $72,600 Building $275,900 | $438,710 |
| 2024 | $5,288.00 (+6.89%) | $352,800 (+15.03%) Land $66,100 Building $286,700 | |
| 2023 | $4,947.00 | $306,700 Land $65,100 Building $241,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 285 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 risk around 285 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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