17 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 17 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,162 sqft · built 1965
Lot Size	1.19 acres (51,836 sqft)
Owner	Individual Name on File
Last Sale	$228,750 (Sep 2018)
Tax Bill	$5,626 (2026)
Deeds & Mortgages	Feb 2021 Refinance Oct 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:N-31 B:0061 L:0005`

Property Details

APN / Parcel Number

Primary APN	`M:N-31 B:0061 L:0005`
Alternative APN	`GARD M:M32 B:24 L:26`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,162 sqft Living Area
Gross Area	2,440 sqft
Basement Area	970 sqft
Unfinished Basement	970 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,836 sqft (1.19 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	17 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	26
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1021
Census Tract	707400

Owner

17 Clark St is owned and occupied by an individual who bought it in September 2018.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	17 CLARK ST, GARDNER, MA 01440-1215
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 3, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 17, 2018	Quit Claim Deed, Transfer FIDELITY COOPERATIVE BANK
Sep 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2018 · Amount on File
Deed Sale	Sep 17, 2018 · Amount on File
Prior Sale	May 10, 2013 · Amount on File
Deed Book / Page	59411 / 140
Transfer Doc	59499-1
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	17 CLARK ST, GARDNER, MA 01440-1215
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	064449-268
Date	Feb 12, 2021
Book Page	64449/268
Instrument	20794

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 3, 2018
Property Address	17 CLARK ST, GARDNER, MA 01440-1215
Document Number	59499-1
Book / Page	059499 / 000001
Instrument Date	Oct 2, 2018
Instrument	105010
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CLARK ST GARDNER MA 014401215, GARDNER, MA 01440-1215
Investor	Possibly a Property Investor

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 17, 2018
Property Address	17 CLARK ST, GARDNER, MA 01440-1215
Document Number	59411-140
Book / Page	59411 / 140
Instrument	97857
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.97
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	594110145
Date	Sep 17, 2018
Instrument	59411/0145

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 17, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 19, 2018
Property Address	17 CLARK ST, GARDNER, MA 01440-1215
Document Number	59423-342
Book / Page	059423 / 000342
Instrument Date	Sep 17, 2018
Instrument	98960
Transaction Type	Transfer
Record Updated	Oct 9, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 CLARK ST GARDNER MA 014401215, GARDNER, MA 01440-1215
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 17 Clark St was $5,626, up 10,129.1% from the year before.

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	$5,626.00 (+10,129.09%)	$408,600 (+4.85%) Land $94,000 Building $314,600	$386,393 (+12.54%)
2025	$55.00 (-99%)	$389,700 (+5.75%) Land $85,400 Building $304,300	$343,330
2024	$5,524.00 (+8.76%)	$368,500 (+17.02%) Land $77,800 Building $290,700
2023	$5,079.00	$314,900 Land $76,800 Building $238,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 17 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

Wildfire risk around 17 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.

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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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