418 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 418 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,240 sqft · built 1965
Lot Size	0.551 acres (24,000 sqft)
Owner	Individual Name on Record
Last Sale	$59,000 (Aug 1984)
Tax Bill	$4,332 (2026)
Deeds & Mortgages	Feb 2022 Refinance Jan 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`GARD M:H32 B:5 L:3`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H32 B:5 L:3`
Alternative APN	`M:J-34 B:0024 L:0003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
Gross Area	2,832 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,000 sqft (0.551 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	418 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	3
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1009
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	418 CLARK ST, GARDNER, MA 01440-1251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Jan 10, 2018	Deed of Trust, Mortgage · Line of Credit FIDELITY COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 1984 · Amount on Record
Deed Sale	Aug 1, 1984 · Amount on Record
Deed Book / Page	8302 / 39
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	418 CLARK ST, GARDNER, MA 01440-1251
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	067053-178
Date	Feb 2, 2022
Book Page	67053/178
Instrument	13152

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	418 CLARK ST, GARDNER, MA 01440-1251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58302-158
Date	Jan 10, 2018
Book Page	58302/158
Instrument	2882

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	228 Months
Due	Jan 1, 2037

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	$4,332.00 (+10,214.29%)	$314,600 (+5.11%) Land $84,400 Building $230,200	$340,550 (-12.25%)
2025	$42.00 (-99%)	$299,300 (+6.4%) Land $76,700 Building $222,600	$388,075
2024	$4,217.00 (+7.47%)	$281,300 (+15.62%) Land $69,800 Building $211,500
2023	$3,924.00	$243,300 Land $68,800 Building $174,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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