219 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 219 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,814 sqft · built 1964
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Sep 2023)
Tax Bill	$4,954 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:K-32 B:0054 L:0024`

Property Details

APN / Parcel Number

Primary APN	`M:K-32 B:0054 L:0024`
Alternative APN	`GARD M:M32 B:11 L:24`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,814 sqft Living Area
Gross Area	3,384 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
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	219 CLARK ST
City	GARDNER
State	MA
Zip	01440-1249
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	11
Legal Lot Number	24
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1015
Census Tract	707400

Owner

219 Clark St is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	219 CLARK ST, GARDNER, MA 01440-1249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Oct 30, 2025	Deed of Trust, Mortgage LAKEVIEW LOAN SERVICING LLC
Sep 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
May 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Feb 24, 1992 · Amount on File
Deed Document Number	202380987
Deed Book / Page	69699 / 59
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	219 CLARK ST, GARDNER, MA 01440-1249
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072750-250
Date	Oct 30, 2025
Book Page	72750/250
Instrument	94051

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 28, 2023
Property Address	219 CLARK ST, GARDNER, MA 01440-1249
Document Number	0069699-59
Book / Page	69699 / 59
Instrument Date	Sep 28, 2023
Instrument	80987
Transaction Type	Transfer
Record Updated	Oct 13, 2023

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	Tenants by the Entirety
Address	219 CLARK ST, GARDNER, MA 01440-1249

Mortgage

Document Number	0000080988
Date	Sep 28, 2023
Instrument	80988

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	219 CLARK ST, GARDNER, MA 01440-1249
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069081-334
Date	May 1, 2023
Book Page	69081/334
Instrument	33127

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 219 Clark St was $4,954, down 0.5% 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	$4,954.00 (-0.5%)	$359,800 (+3.78%) Land $78,800 Building $281,000	$412,316 (+9.93%)
2025	$4,979.00 (-2.08%)	$346,700 (+2.21%) Land $71,600 Building $275,100	$375,060
2024	$5,085.00 (+14.94%)	$339,200 (+23.66%) Land $65,100 Building $274,100
2023	$4,424.00	$274,300 Land $64,200 Building $210,100

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

Flood

FEMA maps place 219 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 219 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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