400 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 400 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,666 sqft · built 1993
Lot Size	3.2 acres (139,715 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Aug 2025)
Tax Bill	$6,597 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Dec 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H32 B:5 L:21`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H32 B:5 L:21`
Alternative APN	`M:J-34 B:0023A L:0002A`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,666 sqft Living Area
Gross Area	2,594 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	139,715 sqft (3.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	400 CLARK ST
City	GARDNER
State	MA
Zip	01440-1251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	5
Legal Lot Number	21
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1020
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	400 CLARK ST, GARDNER, MA 01440-1251
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2025	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 3, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 26, 2018	Quit Claim Deed, Transfer · VA Mortgage PACIFIC UNION FINANCIAL LLC
Jan 3, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2025 · Amount on Record
Deed Sale	Aug 5, 2025 · Amount on Record
Prior Sale	Dec 3, 2020 · Amount on Record
Deed Book / Page	72361 / 87
Prior Transfer Date	Nov 19, 2020
Prior Transfer Doc	63891-269
Record Updated	Oct 29, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 5, 2025
Property Address	400 CLARK ST, GARDNER, MA 01440-1251
Document Number	0072361-87
Book / Page	72361 / 87
Instrument Date	Aug 5, 2025
Instrument	65602
Transaction Type	Transfer
Record Updated	Nov 25, 2025

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	400 CLARK ST, GARDNER, MA 01440-1251

Mortgage

Document Number	0000065603
Date	Aug 5, 2025
Instrument	65603

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 3, 2020
Property Address	400 CLARK ST, GARDNER, MA 01440-1251
Document Number	63891-269
Book / Page	63891 / 269
Instrument Date	Nov 19, 2020
Instrument	148966
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Joint Tenants
Address	400 CLARK ST, GARDNER, MA 01440-1251

Mortgage

Document Number	148967
Date	Dec 3, 2020
Instrument	148967

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 26, 2018
Property Address	400 CLARK ST, GARDNER, MA 01440-1251
Document Number	59868-129
Book / Page	59868 / 129
Instrument Date	Dec 26, 2018
Instrument	136479
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CLARK ST, GARDNER, MA 01440-1251

Mortgage

Document Number	136480
Date	Dec 26, 2018
Instrument	136480

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded

January 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jan 3, 2018
Property Address	400 CLARK ST, GARDNER, MA 01440-1251
Document Number	58277-333
Book / Page	058277 / 000333
Instrument Date	Aug 11, 2017
Instrument	672
Transaction Type	Foreclosure
Record Updated	Jan 23, 2018

Transaction

Amount	Amount Recorded
Tax	$889.20
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	6011 CONNECTION DR #5TH IRVING TX 750392607, 5TH, IRVING, TX 75039-2607

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	$6,597.00 (+9.29%)	$479,100 (+13.99%) Land $92,800 Building $386,300	$419,448 (-4.14%)
2025	$6,036.00 (-1.07%)	$420,300 (+3.27%) Land $84,700 Building $335,600	$437,570
2024	$6,101.00	$407,000 Land $77,700 Building $329,300

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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