198 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 198 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1951
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Nov 2024)
Tax Bill	$5,288 (2026)
Deeds & Mortgages	Nov 2024 Sale & Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:L-31 B:0015 L:0011`

Property Details

APN / Parcel Number

Primary APN	`M:L-31 B:0015 L:0011`
Alternative APN	`GARD M:M32 B:16 L:14`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,352 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	198 CLARK ST
City	GARDNER
State	MA
Zip	01440-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	16
Legal Lot Number	14
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
Census Tract	707400

Owner

198 Clark St is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	198 CLARK ST, GARDNER, MA 01440-1223
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Nov 15, 2024	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 13, 2021	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Mar 8, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS
Mar 20, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Oct 13, 2021 · Amount on File
Deed Book / Page	71297 / 342
Record Updated	Oct 29, 2026

November 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 15, 2024
Property Address	198 CLARK ST, GARDNER, MA 01440-1223
Document Number	071297-342
Book / Page	71297 / 342
Instrument Date	Nov 15, 2024
Instrument	95282
Transaction Type	Transfer
Record Updated	Dec 6, 2024

Transaction

Amount	Amount 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
Address	198 CLARK ST, GARDNER, MA 01440-1223

Mortgage

Document Number	0000095283
Date	Nov 15, 2024
Instrument	95283

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	071297-360
Date	Nov 15, 2024
Book Page	71297/360
Instrument	95284

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Dec 1, 2034

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 13, 2021
Property Address	198 CLARK ST, GARDNER, MA 01440-1223
Document Number	66288-3
Book / Page	66288 / 3
Instrument Date	Oct 13, 2021
Instrument	143985
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	198 CLARK ST, GARDNER, MA 01440-1223

Mortgage

Document Number	143986
Date	Oct 13, 2021
Instrument	143986

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 8, 2018
Property Address	198 CLARK ST, GARDNER, MA 01440-1223
Document Number	58521-152
Book / Page	58521 / 152
Instrument	22148
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	$27.41
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 CLARK ST, GARDNER, MA 01440-1223

Mortgage

Document Number	585210155
Date	Mar 8, 2018
Instrument	58521/0155

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2048

March 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Mar 20, 2017
Property Address	198 CLARK ST, GARDNER, MA 01440-1223
Document Number	56866-338
Book / Page	056866 / 000338
Instrument Date	Jan 23, 2017
Instrument	27812
Transaction Type	Foreclosure
Record Updated	Apr 11, 2017

Transaction

Amount	Amount on Record
Tax	$524.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 S LA SALLE ST #2000 CHICAGO IL 606055011, 2000, CHICAGO, IL 60605-5011

Tax Assessment & Valuation

The 2026 property tax bill for 198 Clark St was $5,288, up 10,069.2% 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	$5,288.00 (+10,069.23%)	$384,000 (+4.69%) Land $78,800 Building $305,200	$373,573 (+1.45%)
2025	$52.00 (-98.97%)	$366,800 (+8.62%) Land $71,600 Building $295,200	$368,220
2024	$5,062.00	$337,700 Land $65,100 Building $272,600

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

Flood

FEMA maps place 198 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 198 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 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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