37 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 37 Elm St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,916 sqft · built 1850
Lot Size	0.305 acres (13,300 sqft)
Owner	Individual Name on File
Last Sale	$32,750 (Apr 2024)
Tax Bill	$5,425 (2026)
Deeds & Mortgages	Jan 2025 Line of Credit Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0073 L:0012`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0073 L:0012`
Alternative APN	`GARD M:R27 B:23 L:12`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,916 sqft Living Area
Gross Area	4,938 sqft
Basement Area	1,177 sqft
Unfinished Basement	1,177 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	13,300 sqft (0.305 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	37 ELM ST
City	GARDNER
State	MA
Zip	01440-2346
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	12
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3012
Census Tract	707500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Gardner Uptown Historic District listed 1999 · 88 contributing resources · NRIS 99000660

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

37 Elm St, a duplex, is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	37 ELM ST, GARDNER, MA 01440-2346
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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 13, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Apr 1, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Jun 10, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Jun 10, 2022 · Amount on File
Deed Book / Page	70348 / 161
Prior Transfer Date	Mar 26, 2024
Prior Transfer Doc	070348-161
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	37 ELM ST, GARDNER, MA 01440-2346
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071520-225
Date	Jan 13, 2025
Book Page	71520/225
Instrument	2733

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 1, 2024
Property Address	37 ELM ST, GARDNER, MA 01440-2346
Document Number	070348-161
Book / Page	70348 / 161
Instrument Date	Mar 26, 2024
Instrument	23394
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	37 ELM ST, GARDNER, MA 01440-2346

Mortgage

Document Number	0000023395
Date	Apr 1, 2024
Instrument	23395

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 10, 2022
Property Address	37 ELM ST, GARDNER, MA 01440-2346
Document Number	067734-124
Book / Page	67734 / 124
Instrument Date	Jun 10, 2022
Instrument	63755
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37 ELM ST, GARDNER, MA 01440-2346

Mortgage

Document Number	0000063756
Date	Jun 10, 2022
Instrument	63756

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 37 Elm St was $5,425, up 10,537.3% 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	$5,425.00 (+10,537.25%)	$394,000 (+9.35%) Land $85,400 Building $308,600	$425,293
2025	$51.00 (-98.96%)	$360,300 (+10.62%) Land $77,600 Building $282,700
2024	$4,882.00 (-0.31%)	$325,700 (+7.28%) Land $70,600 Building $255,100
2023	$4,897.00	$303,600 Land $69,600 Building $234,000

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

Flood

FEMA maps place 37 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 37 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 388 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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