308 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 308 Elm St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,951 sqft · built 1920
Lot Size	0.39 acres (17,000 sqft)
Owner	Individual Name on Record
Last Sale	$482,500 (Jul 2023)
Tax Bill	$7,389 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-21 B:0022 L:0005`

Property Details

APN / Parcel Number

Primary APN	`M:S-21 B:0022 L:0005`
Alternative APN	`GARD M:R22 B:18 L:38`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,951 sqft Living Area
Gross Area	6,813 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	17,000 sqft (0.39 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	308 ELM ST
City	GARDNER
State	MA
Zip	01440-3974
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	18
Legal Lot Number	38
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	308 ELM ST, GARDNER, MA 01440-3974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2023 · Amount on Record
Deed Sale	Jul 28, 2023 · Amount on Record
Prior Sale	Dec 27, 1993 · Amount on Record
Deed Document Number	202361628
Deed Book / Page	69449 / 138
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 28, 2023
Property Address	308 ELM ST, GARDNER, MA 01440-3974
Document Number	069449-138
Book / Page	69449 / 138
Instrument Date	Jul 28, 2023
Instrument	61628
Transaction Type	Transfer
Record Updated	Aug 11, 2023

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	308 ELM ST, GARDNER, MA 01440-3974

Mortgage

Document Number	0000061629
Date	Jul 28, 2023
Instrument	61629

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA 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
2026	$7,389.00 (+10,307.04%)	$536,600 (+7.04%) Land $80,100 Building $456,500
2025	$71.00 (-98.78%)	$501,300 (+29.47%) Land $72,800 Building $428,500
2024	$5,804.00 (+0.87%)	$387,200 (+8.55%) Land $66,200 Building $321,000
2023	$5,754.00	$356,700 Land $65,200 Building $291,500

Assessed value is set for property tax purposes and is not a market price estimate.

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 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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