41 Clairmont St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 41 Clairmont St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 2008
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jan 2023)
Tax Bill	$5,179 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R12 B:3 L:30`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R12 B:3 L:30`
Alternative APN	`M:R-13 B:0020 L:0025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
Gross Area	2,172 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 CLAIRMONT ST
City	GARDNER
State	MA
Zip	01440-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	30
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1036
Census Tract	707100

Owner

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	41 CLAIRMONT ST, GARDNER, MA 01440-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 14, 2017	Quit Claim Deed, Transfer · FHA Mortgage DREW MORTGAGE ASSOCIATES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2023 · Amount on Record
Deed Sale	Jan 13, 2023 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Book / Page	68717 / 367
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 13, 2023
Property Address	41 CLAIRMONT ST, GARDNER, MA 01440-3503
Document Number	068717-367
Book / Page	68717 / 367
Instrument Date	Jan 13, 2023
Instrument	3646
Transaction Type	Transfer
Record Updated	Jan 27, 2023

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	41 CLAIRMONT ST, GARDNER, MA 01440-3503

Mortgage

Document Number	0000003647
Date	Jan 13, 2023
Instrument	3647

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	41 CLAIRMONT ST, GARDNER, MA 01440-3503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63721-1
Date	Nov 10, 2020
Book Page	63721/1
Instrument	137283

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Dec 1, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Apr 14, 2017
Property Address	41 CLAIRMONT ST, GARDNER, MA 01440-3503
Document Number	56983-215
Book / Page	56983 / 215
Instrument	37871
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35.43
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	569830218
Date	Apr 14, 2017
Instrument	56983/0218

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 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	$5,179.00 (+10,919.15%)	$376,100 (+13.15%) Land $75,400 Building $300,700	$404,596 (+14.27%)
2025	$47.00 (-99.02%)	$332,400 (+3.58%) Land $68,500 Building $263,900	$354,065
2024	$4,810.00 (+6.91%)	$320,900 (+15.06%) Land $62,300 Building $258,600
2023	$4,499.00	$278,900 Land $61,400 Building $217,500

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	2 in force

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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