Worcester County and Gardner City property record for 374 Elm St, Gardner, MA 01440
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 2 ba · 2,784 sqft · built 1870 |
| Lot Size | 0.33 acres (14,385 sqft) |
| Owner | Company Name on Record |
| Last Sale | $215,000 (Aug 2011) |
| Tax Bill | $2,192 (2026) |
| Deeds & Mortgages | Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-20 B:0031 L:0036 |
| Primary APN | M:S-20 B:0031 L:0036 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Total Area |
| Gross Area | 5,370 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 14,385 sqft (0.33 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Street Address | 374 ELM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-3926 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | R3 |
| Legal Subdivision | ALICE C MCCARTY |
| Legal Block | 24 |
| Legal Lot Number | 36 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 707500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1001, GARDNER, MA 01440-6001 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2011 · Amount on Record |
| Deed Sale | Aug 5, 2011 · Amount on Record |
| Prior Sale | Apr 2, 2007 · Amount on Record |
| Deed Document Number | 20117 |
| Deed Book / Page | 47680 / 252 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 374 ELM ST, GARDNER, MA 01440-3926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 59536-121 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 59536/121 |
| Instrument | 108326 |
| Name | GFA FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
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 | $2,192.00 (+4,771.11%) | $159,200 (-49.78%) Land $35,500 Building $123,700 | $392,125 (-8.17%) |
| 2025 | $45.00 (-98.89%) | $317,000 (+17.15%) Land $69,600 Building $247,400 | $427,025 |
| 2024 | $4,056.00 (+0.37%) | $270,600 (+8.02%) Land $66,400 Building $204,200 | |
| 2023 | $4,041.00 | $250,500 Land $51,700 Building $198,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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