260 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 260 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 625 sqft · built 1935
Lot Size	0.257 acres (11,200 sqft)
Owner	Individual Name on File
Tax Bill	$3,045 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:K-32 B:0019 L:0017`

Property Details

APN / Parcel Number

Primary APN	`M:K-32 B:0019 L:0017`
Alternative APN	`GARD M:M32 B:11 L:17`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	625 sqft Living Area
Gross Area	1,346 sqft
Basement Area	625 sqft
Unfinished Basement	625 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	11,200 sqft (0.257 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	260 CLARK ST
City	GARDNER
State	MA
Zip	01440-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	11
Legal Lot Number	17
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1020
Census Tract	707400

Owner

260 Clark St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	260 CLARK ST, GARDNER, MA 01440-1204
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
Sep 17, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK
Feb 9, 2017	Deed of Trust, Mortgage LOAN LEADERS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	260 CLARK ST, GARDNER, MA 01440-1204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63275-304
Date	Sep 17, 2020
Book Page	63275/304
Instrument	107578

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	260 CLARK ST, GARDNER, MA 01440-1204
Document Number	56802-282
Book / Page	056802 / 000282
Instrument Date	Feb 9, 2017
Transaction Type	Mortgage
Record Updated	Mar 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56802-282
Date	Mar 1, 2017
Book Page	056802/000282
Instrument	21782

Lender

Name	LOAN LEADERS
Type	Funding / Finance Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 260 Clark St was $3,045, down 0.9% 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	$3,045.00 (-0.94%)	$221,100 (+3.27%) Land $76,200 Building $144,900	$264,938 (-5.27%)
2025	$3,074.00 (+2.5%)	$214,100 (+7%) Land $69,200 Building $144,900	$279,680
2024	$2,999.00 (+5.82%)	$200,100 (+13.89%) Land $63,000 Building $137,100
2023	$2,834.00	$175,700 Land $62,100 Building $113,600

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

Flood

FEMA maps place 260 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 260 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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