Worcester County and Gardner City property record for 32 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,773 sqft · built 1944 |
| Lot Size | 0.795 acres (34,646 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,484 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M32 B:23 L:8 |
| Primary APN | GARD M:M32 B:23 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,773 sqft Living Area |
| Gross Area | 4,048 sqft |
| Basement Area | 1,312 sqft |
| Unfinished Basement | 1,312 sqft |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1944 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,646 sqft (0.795 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 32 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1216 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 23 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 707400 |
32 Clark St is owned and occupied by two individuals.
Source: Worcester County and Gardner City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 CLARK ST, GARDNER, MA 01440-1216 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 32 CLARK ST, GARDNER, MA 01440-1216 |
| Document Number | 60021-168 |
| Instrument Date | Jan 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2019 |
| Name | Verified Name |
|---|---|
| Address | 32 CLARK ST GARDNER MA 014401216, GARDNER, MA 01440-1216 |
| Document Number | 60021-168 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | 060021/000168 |
| Instrument | 11588 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Feb 6, 2024 |
The 2026 property tax bill for 32 Clark St was $4,484, up 10,327.9% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,484.00 (+10,327.91%) | $325,600 (+8.24%) Land $90,500 Building $235,100 | $347,076 (-18.29%) |
| 2025 | $43.00 (-99%) | $300,800 (+4.63%) Land $82,300 Building $218,500 | $424,745 |
| 2024 | $4,310.00 (+2.18%) | $287,500 (+9.94%) Land $74,900 Building $212,600 | |
| 2023 | $4,218.00 | $261,500 Land $73,700 Building $187,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 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 risk around 32 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.
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 and 4G LTE (outdoors only)
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