52 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 52 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,754 sqft · built 1925
Lot Size	0.242 acres (10,550 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Aug 2019)
Tax Bill	$5,845 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0003 L:0014`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0003 L:0014`
Alternative APN	`GARD M:R27 B:23 L:14`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,754 sqft Living Area
Gross Area	3,142 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,550 sqft (0.242 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	52 ELM ST
City	GARDNER
State	MA
Zip	01440-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3005
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

52 Elm St is owned and occupied by an individual who bought it in August 2019.

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	Individual Name on File
Mailing Address	52 ELM ST, GARDNER, MA 01440-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2017	Deed of Trust, Mortgage SAGE BANK
Aug 14, 2019	Quit Claim Deed, Transfer · Conventional with PMI ROSS MTG CO INC
Jan 28, 2019	Quit Claim Deed, Transfer FINANCE AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Jan 28, 2019 · Amount on File
Deed Document Number	201980917
Deed Book / Page	60875 / 355
Prior Transfer Date	Aug 12, 2019
Prior Transfer Doc	60875-355
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	52 ELM ST, GARDNER, MA 01440-2347
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057442-37
Date	Jul 19, 2017
Book Page	57442/37
Instrument	76696

Lender

Name	SAGE BANK

Agreement

Amount	Amount on Record

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 14, 2019
Property Address	52 ELM ST, GARDNER, MA 01440-2347
Document Number	60875-355
Book / Page	060875 / 000355
Instrument Date	Aug 12, 2019
Instrument	80917
Transaction Type	Transfer
Record Updated	Sep 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,117.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 ELM ST GARDNER MA 014402347, GARDNER, MA 01440-2347

Mortgage

Document Number	60875-357
Date	Aug 14, 2019
Book Page	060875/000357
Instrument	80918

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 13, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 28, 2019
Property Address	52 ELM ST, GARDNER, MA 01440-2347
Document Number	59981-111
Book / Page	059981 / 000111
Instrument Date	Jan 24, 2019
Instrument	8054
Transaction Type	Transfer
Record Updated	Feb 19, 2019

Transaction

Amount	Amount on Record
Tax	$547.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	419 HIGH STREET EXT LANCASTER MA 015232035, LANCASTER, MA 01523-2035

Mortgage

Document Number	59981-114
Date	Jan 28, 2019
Book Page	059981/000114
Instrument	8055

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 27, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 52 Elm St was $5,845, up 10,928.3% 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	$5,845.00 (+10,928.3%)	$424,500 (+14.02%) Land $83,300 Building $341,200	$420,446 (+14.75%)
2025	$53.00 (-99.01%)	$372,300 (+4.02%) Land $75,700 Building $296,600	$366,415
2024	$5,365.00 (+7.09%)	$357,900 (+15.23%) Land $68,900 Building $289,000
2023	$5,010.00	$310,600 Land $67,900 Building $242,700

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

Flood

FEMA maps place 52 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 52 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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