85 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 85 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,920 sqft · built 1918
Lot Size	0.501 acres (21,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,850 (Mar 2017)
Tax Bill	$6,603 (2026)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:2`
Alternative APN	`M:R-25 B:0069 L:0002`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,920 sqft Living Area
Gross Area	6,663 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	21,842 sqft (0.501 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	85 ELM ST
City	GARDNER
State	MA
Zip	01440-2348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	2
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

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	2 Individual Names on Record
Mailing Address	85 ELM ST, GARDNER, MA 01440-2348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2017 · Amount on Record
Deed Sale	Mar 1, 2017 · Amount on Record
Prior Sale	Feb 26, 2016 · Amount on Record
Deed Book / Page	56799 / 272
Transfer Doc	056799-272
Record Updated	Oct 29, 2026

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 1, 2017
Property Address	85 ELM ST, GARDNER, MA 01440-2348
Document Number	56799-272
Book / Page	56799 / 272
Instrument	21506
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.48
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	567990276
Date	Mar 1, 2017
Instrument	56799/0276

Lender

Name	SANTANDER BK NA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$6,603.00 (+10,905%)	$479,500 (+13.44%) Land $91,400 Building $388,100	$553,182 (+6.82%)
2025	$60.00 (-99.07%)	$422,700 (-2.04%) Land $83,100 Building $339,600	$517,845
2024	$6,468.00 (+5.1%)	$431,500 (+13.11%) Land $75,600 Building $355,900
2023	$6,154.00	$381,500 Land $74,500 Building $307,000

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

Flood

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

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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