93 Elm St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 93 Elm St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,476 sqft · built 1922
Lot Size	0.597 acres (25,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Jun 2023)
Tax Bill	$8,159 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:23 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:23 L:1`
Alternative APN	`M:R-25 B:0068 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	4,476 sqft Living Area
Gross Area	8,340 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Slate
Lot Area	25,988 sqft (0.597 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	93 ELM ST
City	GARDNER
State	MA
Zip	01440-2350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	23
Legal Lot Number	1
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	93 ELM ST, GARDNER, MA 01440-2350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Deed Document Number	202351349
Deed Book / Page	69316 / 298
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 28, 2023
Property Address	93 ELM ST, GARDNER, MA 01440-2350
Document Number	069316-298
Book / Page	69316 / 298
Instrument Date	Jun 28, 2023
Instrument	51349
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Amount	Amount Recorded
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	93 ELM ST, GARDNER, MA 01440-2350

Mortgage

Document Number	0000051350
Date	Jun 28, 2023
Instrument	51350

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$8,159.00 (+10,496.1%)	$592,500 (+9.38%) Land $94,300 Building $498,200	$571,533 (-12.63%)
2025	$77.00 (-99.07%)	$541,700 (-1.63%) Land $85,700 Building $456,000	$654,170
2024	$8,255.00 (+1.96%)	$550,700 (+9.72%) Land $77,900 Building $472,800
2023	$8,096.00	$501,900 Land $76,800 Building $425,100

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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