369 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 369 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,130 sqft · built 1998
Lot Size	0.189 acres (8,245 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Aug 2017)
Tax Bill	$5,070 (2026)
Deeds & Mortgages	Jan 2021 Refinance Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:1 L:2B`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
Gross Area	2,306 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,245 sqft (0.189 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	369 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	2B
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	369 CLARK ST, GARDNER, MA 01440-1284
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 28, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2017 · Amount on Record
Deed Sale	Aug 28, 2017 · Amount on Record
Prior Sale	Jan 29, 2007 · Amount on Record
Deed Book / Page	57644 / 231
Transfer Doc	057644-231
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	369 CLARK ST, GARDNER, MA 01440-1284
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064298-188
Date	Jan 25, 2021
Book Page	64298/188
Instrument	10621

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	169 Months
Due	Feb 1, 2035

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 28, 2017
Property Address	369 CLARK ST, GARDNER, MA 01440-1284
Document Number	57644-231
Book / Page	57644 / 231
Instrument	93912
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$34.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 CLARK ST, GARDNER, MA 01440-1284

Mortgage

Document Number	576440234
Date	Aug 28, 2017
Instrument	57644/0234

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

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	$5,070.00 (+10,04%)	$368,200 (+4.93%) Land $74,300 Building $293,900	$402,399 (+13.68%)
2025	$50.00 (-98.96%)	$350,900 (+8.94%) Land $67,500 Building $283,400	$353,970
2024	$4,828.00 (+1.94%)	$322,100 (+9.71%) Land $61,400 Building $260,700
2023	$4,736.00	$293,600 Land $60,500 Building $233,100

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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