88 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 88 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	7 bd · 3.5 ba · 4,283 sqft · built 1910
Lot Size	0.346 acres (15,080 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Oct 2009)
Tax Bill	$7,180 (2026)
Deeds & Mortgages	Sep 2022 Refinance May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:R-25 B:0006 L:0033`

Property Details

APN / Parcel Number

Primary APN	`M:R-25 B:0006 L:0033`
Alternative APN	`GARD M:R27 B:23 L:33`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	3 Stories
Building Area	4,283 sqft Living Area
Gross Area	7,291 sqft
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,080 sqft (0.346 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	88 ELM ST
City	GARDNER
State	MA
Zip	01440-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	33
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3010
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	Individual Name on Record
Mailing Address	88 ELM ST, BALDWINVILLE, MA 01436-1031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
May 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2009 · Amount on Record
Deed Sale	Oct 30, 2009 · Amount on Record
Prior Sale	Jun 1, 2006 · Amount on Record
Deed Document Number	2009128477
Deed Book / Page	45032 / 217
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 ELM ST, GARDNER, MA 01440-2349
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068184-47
Date	Sep 8, 2022
Book Page	68184/47
Instrument	98704

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	88 ELM ST, GARDNER, MA 01440-2349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62431-40
Date	May 20, 2020
Book Page	62431/40
Instrument	51413

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

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	$7,180.00 (+3.28%)	$521,400 (+7.71%) Land $86,700 Building $434,700	$523,563 (-9.92%)
2025	$6,952.00 (-4.18%)	$484,100 (+0.02%) Land $78,800 Building $405,300	$581,210
2024	$7,255.00 (+1.53%)	$484,000 (+9.26%) Land $71,700 Building $412,300
2023	$7,146.00	$443,000 Land $70,700 Building $372,300

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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