235 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 235 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 1970
Lot Size	0.515 acres (22,440 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Apr 2004)
Tax Bill	$5,797 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:K-32 B:0051 L:0022`

Property Details

APN / Parcel Number

Primary APN	`M:K-32 B:0051 L:0022`
Alternative APN	`GARD M:M32 B:11 L:22`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	3,278 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,440 sqft (0.515 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	235 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	22
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1015
Census Tract	707400

Owner

235 Clark St is owned and occupied by two individuals who bought it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	235 CLARK ST, GARDNER, MA 01440-1249
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
Jul 5, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SAVERS COOPERATIVE BANK
Jan 16, 2018	Deed of Trust, Mortgage SAVERS COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2004 · Amount on File
Deed Sale	Apr 23, 2004 · Amount on File
Deed Document Number	200468698
Deed Book / Page	33393 / 309
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	235 CLARK ST, GARDNER, MA 01440-1249
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069346-101
Date	Jul 5, 2023
Book Page	69346/101
Instrument	53433

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	235 CLARK ST, GARDNER, MA 01440-1249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58324-156
Date	Jan 16, 2018
Book Page	58324/156
Instrument	4796

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 235 Clark St was $5,797, up 10,070.2% 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	$5,797.00 (+10,070.18%)	$421,000 (+4.57%) Land $83,500 Building $337,500	$425,038 (-0.2%)
2025	$57.00 (-99.02%)	$402,600 (+4.03%) Land $75,900 Building $326,700	$425,885
2024	$5,801.00 (+8.01%)	$387,000 (+16.22%) Land $69,000 Building $318,000
2023	$5,371.00	$333,000 Land $68,000 Building $265,000

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

Flood

FEMA maps place 235 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 235 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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