Worcester County and Gardner City property record for 11 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1964 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Jun 2026) |
| Tax Bill | $3,911 (2026) |
| Deeds & Mortgages | Jun 2026 Second Mortgage Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:N-31 B:0062 L:0006 |
| Primary APN | M:N-31 B:0062 L:0006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 2,060 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 11 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 25 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 707400 |
11 Clark St is owned and occupied by an individual who bought it in June 2026.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 CLARK ST, GARDNER, MA 01440-1215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUILD MORTGAGE COMPANY |
| Jun 29, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Deed Document Number | 202653704 |
| Deed Book / Page | 73796 / 93 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 29, 2026 |
| Property Address | 11 CLARK ST, GARDNER, MA 01440-1215 |
| Document Number | 0000053706 |
| Book / Page | 73796 / 122 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202653706 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 11 CLARK ST, GARDNER, MA 01440-1215 |
| Document Number | 0000053706, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 73796/122 |
| Instrument | 202653706 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 29, 2026 |
| Property Address | 11 CLARK ST, GARDNER, MA 01440-1215 |
| Document Number | 0000053704 |
| Book / Page | 73796 / 93 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202653704 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 CLARK ST, GARDNER, MA 01440-1215 |
| Date | Jun 29, 2026 |
|---|
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 11 Clark St was $3,911, up 10,192.1% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,911.00 (+10,192.11%) | $284,000 (+5.46%) Land $93,000 Building $191,000 | $322,226 (+1.61%) |
| 2025 | $38.00 (-98.99%) | $269,300 (+7.16%) Land $84,600 Building $184,700 | $317,110 |
| 2024 | $3,767.00 (+6.68%) | $251,300 (+14.8%) Land $77,000 Building $174,300 | |
| 2023 | $3,531.00 | $218,900 Land $75,900 Building $143,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Clark St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 | 3 in force |
| Nearby Flood Claims | 1 (2016) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 2016 · rainfall accumulation |
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 risk around 11 Clark 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 272 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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