4 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 4 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,631 sqft · built 1900
Lot Size	1.49 acres (65,227 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Jul 2021)
Tax Bill	$47 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:M32 B:24 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:M32 B:24 L:1`
Alternative APN	`M:N-31 B:0001 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,631 sqft Living Area
Gross Area	3,668 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	65,227 sqft (1.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 CLARK ST
City	GARDNER
State	MA
Zip	01440-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1028
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of April 14, 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	4 CLARK ST, GARDNER, MA 01440-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Quit Claim Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Feb 28, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 25, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	202199197
Deed Book / Page	65628 / 279
Transfer Doc	042852-359
Record Updated	Jun 8, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 16, 2021
Property Address	4 CLARK ST, GARDNER, MA 01440-1216
Document Number	065628-279
Book / Page	65628 / 279
Instrument Date	Jul 15, 2021
Instrument	99197
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	4 CLARK ST, GARDNER, MA 01440-1216

Mortgage

Document Number	0000099198
Date	Jul 16, 2021
Instrument	99198

Lender

Name	GENEVA FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 28, 2020
Property Address	4 CLARK ST, GARDNER, MA 01440-1216
Document Number	061967-274
Book / Page	61967 / 274
Instrument Date	Feb 21, 2020
Instrument	21283
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
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	361 PARK ST # 2, 2, GARDNER, MA 01440-1642

Mortgage

Document Number	0000021284
Date	Feb 28, 2020
Instrument	21284

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Sep 25, 2019
Property Address	4 CLARK ST, GARDNER, MA 01440-1216
Document Number	61110-185
Book / Page	061110 / 000185
Instrument Date	Sep 10, 2019
Instrument	99248
Transaction Type	Foreclosure
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$598.27
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620
Investor	Possibly a Property Investor

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
2025	$47.00 (-99%)	$333,700 (+6.44%) Land $87,600 Building $246,100	$398,620
2024	$4,699.00 (+2.35%)	$313,500 (+10.15%) Land $79,800 Building $233,700
2023	$4,591.00	$284,600 Land $78,500 Building $206,100

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
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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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