58 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 58 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,523 sqft · built 1897
Lot Size	0.267 acres (11,618 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (Oct 2020)
Tax Bill	$8,334 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0004 L:0015`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0004 L:0015`
Alternative APN	`GARD M:R27 B:23 L:15`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,523 sqft Living Area
Gross Area	13,569 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,618 sqft (0.267 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	58 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	15
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
Individually Listed	Elm Street Fire Station listed 1980 · 1 contributing resources · NRIS 80001677

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

Owner

58 Elm St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	58 ELM ST, GARDNER, MA 01440-2347
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Sep 9, 2011
Deed Document Number	2020127369
Deed Book / Page	63575 / 19
Prior Transfer Date	Oct 22, 2020
Prior Transfer Doc	63575-19
Record Updated	Oct 29, 2026

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 23, 2020
Property Address	58 ELM ST, GARDNER, MA 01440-2347
Document Number	63575-19
Book / Page	63575 / 19
Instrument Date	Oct 22, 2020
Instrument	127369
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 ELM ST, GARDNER, MA 01440-2347

Mortgage

Document Number	127370
Date	Oct 23, 2020
Instrument	127370

Lender

Name	ROLLSTONE BANK & TRUST

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 58 Elm St was $8,334, up 10,317.5% 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	$8,334.00 (+10,317.5%)	$605,200 (+8.01%) Land $84,100 Building $521,100	$573,451 (-7.73%)
2025	$80.00 (-99.06%)	$560,300 (-1.18%) Land $76,400 Building $483,900	$621,490
2024	$8,499.00 (+1.8%)	$567,000 (+9.54%) Land $69,500 Building $497,500
2023	$8,349.00	$517,600 Land $68,500 Building $449,100

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

Flood

FEMA maps place 58 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 58 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.

Nearby Properties on Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures