345 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 345 Elm St, Gardner, MA 01440

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,744 sqft · built 1900
Lot Size	0.31 acres (13,505 sqft)
Owner	Company Name on File
Last Sale	$30,000 (Jan 2000)
Tax Bill	$6,952 (2026)
Deeds & Mortgages	Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:S-20 B:0038 L:0003`

Property Details

APN / Parcel Number

Primary APN	`M:S-20 B:0038 L:0003`
Alternative APN	`GARD M:R22 B:23 L:12`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	16 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,744 sqft Living Area
Gross Area	6,540 sqft
Basement Area	1,466 sqft
Unfinished Basement	1,466 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,505 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	345 ELM ST
City	GARDNER
State	MA
Zip	01440-3973
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3017
Census Tract	707500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	345 ELM ST, GARDNER, MA 01440-3973
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2000 · Amount on File
Deed Sale	Jan 14, 2000 · Amount on File
Prior Sale	Mar 30, 1990 · Amount on File
Deed Book / Page	3517 / 32
Last Transfer Date	Oct 27, 2023
Transfer Doc	069844-317
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 3, 2023
Property Address	345 ELM ST, GARDNER, MA 01440-3973
Document Number	069844-317
Book / Page	69844 / 317
Instrument Date	Oct 27, 2023
Instrument	92427
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 ELM ST, GARDNER, MA 01440-3973

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	$6,952.00 (+10,123.53%)	$504,900 (+6.14%) Land $77,700 Building $427,200
2025	$68.00 (-98.78%)	$475,700 (+27.43%) Land $70,600 Building $405,100
2024	$5,596.00 (-0.02%)	$373,300 (+7.58%) Land $64,300 Building $309,000
2023	$5,597.00	$347,000 Land $63,400 Building $283,600

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

Nearby Properties on Elm St

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