218 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 218 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,274 sqft · built 1940
Lot Size	2.13 acres (93,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (May 2018)
Tax Bill	$4,149 (2026)
Deeds & Mortgages	Mar 2025 Line of Credit May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:16 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M32 B:16 L:1`
Alternative APN	`M:K-32 B:0017 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
Gross Area	2,560 sqft
Basement Area	770 sqft
Unfinished Basement	770 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	93,106 sqft (2.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	218 CLARK ST
City	GARDNER
State	MA
Zip	01440-1223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ODILON J CORMIER
Legal Block	16
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1026
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	2 Individual Names on Record
Mailing Address	218 CLARK ST, GARDNER, MA 01440-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2025	Deed of Trust, Mortgage · Line of Credit ALL ONE CREDIT UNION
May 7, 2018	Quit Claim Deed, Transfer · Conventional with PMI LEOMINSTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2018 · Amount on Record
Deed Sale	May 7, 2018 · Amount on Record
Prior Sale	Jun 21, 2013 · Amount on Record
Deed Book / Page	58767 / 241
Transfer Doc	058767-241
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	218 CLARK ST, GARDNER, MA 01440-1223
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071733-241
Date	Mar 13, 2025
Book Page	71733/241
Instrument	19423

Lender

Name	ALL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

Interest

Rate Type	Adjustable Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 7, 2018
Property Address	218 CLARK ST, GARDNER, MA 01440-1223
Document Number	58767-241
Book / Page	058767 / 000241
Instrument Date	May 7, 2018
Instrument	43406
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$766.08
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 CLARK ST GARDNER MA 014401223, GARDNER, MA 01440-1223

Mortgage

Document Number	58767-245
Date	May 7, 2018
Book Page	058767/000245
Instrument	43407

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

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	$4,149.00 (+4.04%)	$301,300 (+8.5%) Land $99,800 Building $201,500	$333,458 (-2.71%)
2025	$3,988.00 (+1.81%)	$277,700 (+6.28%) Land $90,800 Building $186,900	$342,760
2024	$3,917.00 (+2.59%)	$261,300 (+10.39%) Land $83,000 Building $178,300
2023	$3,818.00	$236,700 Land $81,000 Building $155,700

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
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	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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