Worcester County and Gardner City property record for 12 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,135 sqft · built 1940 |
| Lot Size | 0.737 acres (32,107 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Jan 2013) |
| Tax Bill | $3,350 (2026) |
| Deeds & Mortgages | Jan 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M32 B:24 L:3 |
| Primary APN | GARD M:M32 B:24 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,135 sqft Living Area |
| Gross Area | 2,607 sqft |
| Basement Area | 687 sqft |
| Unfinished Basement | 687 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,107 sqft (0.737 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 3 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 707400 |
12 Clark St is owned by an individual who acquired it in January 2021.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 394 MAPLE ST, WINCHENDON, MA 01475-1004 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 23, 2013 · Amount on File |
| Deed Sale | Jan 23, 2013 · Amount on File |
| Prior Sale | Jul 16, 2012 · Amount on File |
| Deed Book / Page | 50324 / 2 |
| Last Transfer Date | Jan 18, 2021 |
| Transfer Doc | 64249-245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jan 19, 2021 |
| Property Address | 12 CLARK ST, GARDNER, MA 01440-1216 |
| Document Number | 64249-245 |
| Book / Page | 64249 / 245 |
| Instrument Date | Jan 18, 2021 |
| Instrument | 7540 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 394 MAPLE ST, WINCHENDON, MA 01475-1004 |
The 2026 property tax bill for 12 Clark St was $3,350, up 10,051.5% 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 | $3,350.00 (+10,051.52%) | $243,300 (+3.49%) Land $89,400 Building $153,900 | $316,609 (-6.96%) |
| 2025 | $33.00 (-99.01%) | $235,100 (+5.57%) Land $81,200 Building $153,900 | $340,290 |
| 2024 | $3,338.00 (+6.68%) | $222,700 (+14.79%) Land $74,000 Building $148,700 | |
| 2023 | $3,129.00 | $194,000 Land $72,800 Building $121,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 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 12 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 and 4G LTE (outdoors only)
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