141 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 141 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,416 sqft · built 1880
Lot Size	0.701 acres (30,525 sqft)
Owner	Individual Name on Record
Last Sale	$52,500 (Jul 2014)
Tax Bill	$4,000 (2026)
Deeds & Mortgages	Dec 2022 Mortgage May 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:L-31 B:0057 L:0015`

Property Details

APN / Parcel Number

Primary APN	`M:L-31 B:0057 L:0015`
Alternative APN	`GARD M:M32 B:17 L:15`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	2,274 sqft
Basement Area	308 sqft
Unfinished Basement	308 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,525 sqft (0.701 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	141 CLARK ST
City	GARDNER
State	MA
Zip	01440-1248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	17
Legal Lot Number	15
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1015
Census Tract	707400

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	141 CLARK ST, GARDNER, MA 01440-1248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 8, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 4, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2014 · Amount on Record
Deed Sale	Jul 25, 2014 · Amount on Record
Deed Book / Page	52593 / 109
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	141 CLARK ST, GARDNER, MA 01440-1248
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068649-260
Date	Dec 23, 2022
Book Page	68649/260
Instrument	135445

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Jan 1, 2046

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	141 CLARK ST, GARDNER, MA 01440-1248
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070486-21
Date	May 8, 2024
Book Page	70486/21
Instrument	34092

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	265 Months
Due	Jun 1, 2046

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	May 4, 2026
Property Address	141 CLARK ST, GARDNER, MA 01440-1248
Document Number	0073527-85
Book / Page	73527 / 85
Instrument Date	Apr 2, 2026
Instrument	202634437
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 CLARK ST, GARDNER, MA 01440-1248

Mortgage

Document Number	0000034437,
Date	May 4, 2026
Book Page	73527/85
Instrument	202634437

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6%
Max Rate	-1%

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	$4,000.00 (+10,156.41%)	$290,500 (+4.53%) Land $88,700 Building $201,800	$331,488 (-12.2%)
2025	$39.00 (-99.02%)	$277,900 (+4.36%) Land $80,600 Building $197,300	$377,530
2024	$3,992.00 (+6.91%)	$266,300 (+15.03%) Land $73,400 Building $192,900
2023	$3,734.00	$231,500 Land $72,200 Building $159,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

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 147 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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