Worcester County and Gardner City property record for 352 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,936 sqft · built 2018 |
| Lot Size | 6.44 acres (280,849 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $92 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:M32 B:6 L:1 |
| Primary APN | GARD M:M32 B:6 L:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 5,892 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 280,849 sqft (6.44 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 18006 |
|---|---|
| Street Address | 352 CLARK ST |
| City | GARDNER |
| State | MA |
| Zip | 01440-1250 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 6 |
| Legal Lot Number | 1 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records, as of July 20, 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 | 163 SMITH ST, GARDNER, MA 01440-2435 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 352 CLARK ST, GARDNER, MA 01440-1250 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 65001-292 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 65001/292 |
| Instrument | 55930 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $92.00 (-99.03%) | $646,600 (+2.7%) Land $111,300 Building $535,300 | $522,975 |
| 2024 | $9,438.00 (+7.96%) | $629,600 (+16.16%) Land $103,500 Building $526,100 | |
| 2023 | $8,742.00 | $542,000 Land $97,500 Building $444,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
4G LTE (outdoors only), no 5G reported
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