286 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 286 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,192 sqft · built 1900
Lot Size	0.252 acres (10,990 sqft)
Owner	Individual Name on File
Last Sale	$213,500 (Sep 2017)
Tax Bill	$5,286 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-21 B:0019 L:0002`

Property Details

APN / Parcel Number

Primary APN	`M:S-21 B:0019 L:0002`
Alternative APN	`GARD M:R22 B:18 L:34`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,192 sqft Living Area
Gross Area	3,629 sqft
Basement Area	1,027 sqft
Unfinished Basement	1,027 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	10,990 sqft (0.252 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	286 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	34
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3018
Census Tract	707500

Owner

286 Elm St is owned and occupied by an individual who bought it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	286 ELM ST, GARDNER, MA 01440-3923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit WORKERS CU
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 29, 2017	Quit Claim Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Prior Sale	Nov 6, 2008 · Amount on File
Deed Book / Page	57822 / 48
Transfer Doc	0057822-48
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	286 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067414-153
Date	Apr 11, 2022
Book Page	67414/153
Instrument	39698

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	286 ELM ST, GARDNER, MA 01440-3923
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064193-308
Date	Jan 11, 2021
Book Page	64193/308
Instrument	4002

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 29, 2017
Property Address	286 ELM ST, GARDNER, MA 01440-3923
Document Number	57822-48
Book / Page	57822 / 48
Instrument	108782
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	$39.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 ELM ST, BALDWINVILLE, MA 01436-1059

Mortgage

Document Number	578220050
Date	Sep 29, 2017
Instrument	57822/0050

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 286 Elm St was $5,286, up 10,472% 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	$5,286.00 (+10,472%)	$383,900 (+8.14%) Land $76,100 Building $307,800	$395,986 (-3.8%)
2025	$50.00 (-99.03%)	$355,000 (+3.44%) Land $69,100 Building $285,900	$411,635
2024	$5,145.00 (+2.31%)	$343,200 (+10.07%) Land $62,900 Building $280,300
2023	$5,029.00	$311,800 Land $62,000 Building $249,800

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

Flood

FEMA maps place 286 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 286 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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