Worcester County and Gardner City property record for 3 Clark St, Gardner, MA 01440
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,721 sqft · built 1760 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $35,000 (Dec 2024) |
| Tax Bill | $21 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M32 B:24 L:7 |
| Primary APN | GARD M:M32 B:24 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,721 sqft Living Area |
| Gross Area | 4,322 sqft |
| Year Built | Built 1760 |
|---|---|
| Effective Year Built | Effective 1760 |
| Architectural Style | Conventional |
| Exterior Material | Shingles |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1215 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 24 |
| Legal Lot Number | 7 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 102 HIGH ST, GARDNER, MA 01440-3608 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2024 · Amount on Record |
| Deed Sale | Dec 23, 2024 · Amount on Record |
| Prior Sale | Apr 26, 1985 · Amount on Record |
| Deed Document Number | 2024107290 |
| Deed Book / Page | 71457 / 297 |
| Prior Transfer Date | Dec 18, 2024 |
| Prior Transfer Doc | 071457-297 |
| Record Updated | Sep 20, 2026 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $21.00 (-98.99%) | $151,200 (+8.62%) Land $69,000 Building $82,200 |
| 2024 | $2,087.00 | $139,200 Land $62,800 Building $76,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 272 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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