Worcester County and Gardner City property record for 75 Elm St, Gardner, MA 01440 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 1932 |
| Square Footage | 2,955 sqft Living Area |
| Lot Size | 31,968 sqft (0.734 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2019) |
| Tax Bill | $5,784.00 (2025) |
Source: Worcester County and Gardner City records · APN GARD M:R27 B:23 L:3
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 75 ELM ST, GARDNER, MA 01440-2348 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| May 07, 2025 | Deed of Trust, Mortgage NEWREZ LLC |
| Aug 08, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Aug 29, 2019 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2019 · Amount on Record |
| Deed Sale | Aug 29, 2019 · Amount on Record |
| Deed Doc Number | 201987541 |
| Deed Book / Page | 60960 / 95 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 75 ELM ST, GARDNER, MA 01440-2348 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 071956-214 |
|---|---|
| Date | May 07, 2025 |
| Book Page | 71956/214 |
| Instrument | 36040 |
| Name | NEWREZ LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 241 Months |
| Due | Jun 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 75 ELM ST, GARDNER, MA 01440-2348 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 068033-356 |
|---|---|
| Date | Aug 08, 2022 |
| Book Page | 68033/356 |
| Instrument | 86925 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Aug 29, 2019 |
| Property Address | 75 ELM ST, GARDNER, MA 01440-2348 |
| Document Number | 60960-95 |
| Book / Page | 60960 / 95 |
| Instrument Date | Aug 21, 2019 |
| Instrument | 87541 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 75 ELM ST, GARDNER, MA 01440-2348 |
| Document Number | 87542 |
|---|---|
| Date | Aug 29, 2019 |
| Instrument | 87542 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,784.00 (-1.82%) | $402,800 (+2.49%) Land $89,300 Building $313,500 | $443,935 |
| 2024 | $5,891.00 (+1.9%) | $393,000 (+9.65%) Land $81,300 Building $311,700 | |
| 2023 | $5,781.00 | $358,400 Land $80,000 Building $278,400 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.
| Primary APN | GARD M:R27 B:23 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 11 Rooms |
| Building Area | 2,955 sqft Living Area |
| Gross Area | 5,425 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional Style |
| Exterior Material | Brick Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 31,968 sqft (0.734 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Street Address | 75 ELM ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2348 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 23 |
| Legal Lot Number | 3 |
| Jurisdiction | GARDNER MA |
| Minor Civil Division | GARDNER |
| Census Blockgroup | 3 |
| Census Block | 3011 |
| Census Tract | 707500 |
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