349 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 349 Clark St, Gardner, MA 01440

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,300 sqft · built 1987
Owner	Individual Name on File
Last Sale	$252,000 (Jul 2025)
Tax Bill	$3,569 (2026)
Deeds & Mortgages	Jul 2025 Sale & Refinance Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:1 L:100 U:09-03`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M32 B:1 L:100 U:09-03`
Alternative APN	`M:M32 B:1 L:100 U:01-01`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,300 sqft Living Area
Gross Area	1,972 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	349 CLARK ST
City	GARDNER
State	MA
Zip	01440-1200
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	G3
Legal Block	1
Legal Lot Number	100
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1016
Census Tract	707400

Owner

349 Clark St, a condominium, is owned by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	349 CLARK ST, B1-3, GARDNER, MA 01440-1200
Owner Type	Individual
Vesting	Individual(s)

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 17, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance DAS ACQUISITION
Aug 30, 2022	Quit Claim Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2025 · Amount on File
Deed Sale	Jul 17, 2025 · Amount on File
Prior Sale	Aug 30, 2022 · Amount on File
Deed Book / Page	72270 / 70
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 17, 2025
Property Address	349 CLARK ST, GARDNER, MA 01440-1200
Document Number	0072270-70
Book / Page	72270 / 70
Instrument Date	Jul 17, 2025
Instrument	59017
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Address	349 CLARK ST # B1-3, B1-3, GARDNER, MA 01440-1200

Mortgage

Document Number	0000059018
Date	Jul 17, 2025
Instrument	59018

Lender

Name	DAS ACQUISITION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 30, 2022
Property Address	349 CLARK ST, GARDNER, MA 01440-1200
Document Number	068147-365
Book / Page	68147 / 365
Instrument Date	Aug 30, 2022
Instrument	95905
Transaction Type	Transfer
Record Updated	Sep 19, 2022

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
Address	349 CLARK ST # UT, UT, GARDNER, MA 01440-1200

Mortgage

Document Number	0000095906
Date	Aug 30, 2022
Instrument	95906

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 349 Clark St was $3,569, up 8.6% 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	$3,569.00 (+8.61%)	$259,200 (+13.29%) Building $259,200	$264,358 (+5.61%)
2025	$3,286.00 (+11.77%)	$228,800 (+16.68%) Building $228,800	$250,325
2024	$2,940.00 (+16.62%)	$196,100 (+25.46%) Building $196,100
2023	$2,521.00	$156,300 Building $156,300

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

Flood

FEMA maps place 349 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 349 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	Direct burnable vegetation

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 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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