61 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 61 Elm St, Gardner, MA 01440

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 4,124 sqft · built 1900
Lot Size	0.765 acres (33,330 sqft)
Owner	2 Individual Names on File
Last Sale	$491,000 (Jun 2022)
Tax Bill	$7,992 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Dec 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:4`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:4`
Alternative APN	`M:R-25 B:0071 L:0004`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,124 sqft Living Area
Gross Area	7,906 sqft
Basement Area	1,968 sqft
Unfinished Basement	1,968 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	33,330 sqft (0.765 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	61 ELM ST
City	GARDNER
State	MA
Zip	01440-2348
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	4
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3011
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

61 Elm St, a duplex, is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	61 ELM ST, GARDNER, MA 01440-2348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Dec 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 1, 2020	Personal Representative Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2022 · Amount on File
Deed Sale	Jun 27, 2022 · Amount on File
Deed Book / Page	67809 / 367
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 27, 2022
Property Address	61 ELM ST, GARDNER, MA 01440-2348
Document Number	067809-367
Book / Page	67809 / 367
Instrument Date	Jun 27, 2022
Instrument	69578
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	61 ELM ST, GARDNER, MA 01440-2348

Mortgage

Document Number	0000069579
Date	Jun 27, 2022
Instrument	69579

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 1, 2020
Property Address	61 ELM ST, GARDNER, MA 01440-2348
Document Number	63877-313
Book / Page	063877 / 000313
Instrument Date	Nov 4, 2020
Instrument	147885
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 MILLINGTON RD NEW SALEM MA 01355, NEW SALEM, MA 01355

December 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 1, 2020
Property Address	61 ELM ST, GARDNER, MA 01440-2348
Document Number	63877-311
Book / Page	063877 / 000311
Instrument Date	Nov 4, 2020
Instrument	147884
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 MILLINGTON RD NEW SALEM MA 01355, NEW SALEM, MA 01355

Tax Assessment & Valuation

The 2026 property tax bill for 61 Elm St was $7,992, up 9,528.9% 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	$7,992.00 (+9,528.92%)	$580,400 (+0.24%) Land $98,900 Building $481,500	$567,409
2025	$83.00 (-98.86%)	$579,000 (+19.23%) Land $89,900 Building $489,100
2024	$7,279.00 (+6.59%)	$485,600 (+14.69%) Land $81,800 Building $403,800
2023	$6,829.00	$423,400 Land $80,500 Building $342,900

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

Flood

FEMA maps place 61 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 61 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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