365 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 365 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,166 sqft · built 1900
Lot Size	0.42 acres (18,311 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jun 2026)
Tax Bill	$4,698 (2026)
Deeds & Mortgages	Jun 2026 Second Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:1 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M32 B:1 L:2`
Alternative APN	`M:K-34 B:0046A L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,166 sqft Living Area
Gross Area	2,198 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,311 sqft (0.42 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	365 CLARK ST
City	GARDNER
State	MA
Zip	01440-1284
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G3
Legal Block	1
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1016
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 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	365 CLARK ST, GARDNER, MA 01440-1284
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EMBRACE HOME LOANS
Jun 11, 2026	Quit Claim Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS
May 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 28, 2018	Quit Claim Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 28, 2018	Quit Claim Deed, Transfer
Jun 7, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Sep 28, 2018 · Amount on Record
Deed Document Number	202647221
Deed Book / Page	73706 / 82
Transfer Doc	059479-363
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Recording Date	Jun 11, 2026
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Document Number	073706-109
Book / Page	73706 / 109
Instrument Date	Jun 11, 2026
Instrument	202647223
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 CLARK ST, GARDNER, MA 01440-1284

Mortgage

Document Number	0000047223,
Date	Jun 11, 2026
Book Page	73706/109
Instrument	202647223

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 11, 2026
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Document Number	0000047221
Book / Page	73706 / 82
Instrument Date	Jun 9, 2026
Instrument	202647221
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount Recorded
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	365 CLARK ST, GARDNER, MA 01440-1284

Mortgage

Date	Jun 11, 2026

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062361-149
Date	May 8, 2020
Book Page	62361/149
Instrument	46997

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 28, 2018
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Document Number	59479-363
Book / Page	59479 / 363
Instrument	103484
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$28.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	594790366
Date	Sep 28, 2018
Instrument	59479/0366

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 28, 2018
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Document Number	58492-80
Book / Page	058492 / 000080
Instrument Date	Feb 21, 2018
Instrument	19633
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount Recorded
Tax	$450.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	954 LAKEVIEW AVE LOWELL MA 018501030, LOWELL, MA 01850-1030

June 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jun 7, 2017
Property Address	365 CLARK ST, GARDNER, MA 01440-1284
Document Number	57227-395
Book / Page	057227 / 000395
Instrument Date	Jun 6, 2017
Instrument	58470
Transaction Type	Foreclosure
Record Updated	Jun 27, 2017

Transaction

Amount	Amount Recorded
Tax	$679.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

Tax Assessment & Valuation

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	$4,698.00 (+10,34%)	$341,200 (+8.15%) Land $80,900 Building $260,300	$348,222 (+3.81%)
2025	$45.00 (-98.96%)	$315,500 (+8.94%) Land $73,600 Building $241,900	$335,445
2024	$4,341.00 (+2.99%)	$289,600 (+10.83%) Land $66,900 Building $222,700
2023	$4,215.00	$261,300 Land $65,900 Building $195,400

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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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