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424 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 424 Clark St, Gardner, MA 01440 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,336 sqft · built 1965
Lot Size0.459 acres (20,000 sqft)
Owner2 Individual Names on File
Last Sale$179,000 (Aug 2018)
Tax Bill$44 (2025)
Deeds & MortgagesNov 2021 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNGARD M:H32 B:5 L:4

Property Details

APN / Parcel Number

Primary APNGARD M:H32 B:5 L:4
Alternative APN
  • M:J-34 B:0025 L:0004

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,336 sqft Living Area
Gross Area2,528 sqft

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,000 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address424 CLARK ST
CityGARDNER
StateMA
Zip01440-1251
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block5
Legal Lot Number4
JurisdictionGARDNER MA
Township / Civil DivisionGARDNER
Census Block Group1
Census Block1009
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN GARD M:H32 B:5 L:4

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address424 CLARK ST, GARDNER, MA 01440-1251
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 29, 2021Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Aug 31, 2018Personal Representative Deed, Transfer · FHA Mortgage
VILLAGE MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 31, 2018 · Amount on Record
Deed SaleAug 31, 2018 · Amount on Record
Deed Document Number201892688
Deed Book / Page59349 / 359
Record UpdatedJun 08, 2026

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address424 CLARK ST, GARDNER, MA 01440-1251
Transaction TypeMortgage
Record UpdatedDec 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number066626-185
DateNov 29, 2021
Book Page66626/185
Instrument166209
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term325 Months
DueDec 01, 2048

August 2018: Personal Representative Deed, Transfer

Document TypePersonal Representative Deed
JurisdictionGARDNER MA
Recording DateAug 31, 2018
Property Address424 CLARK ST, GARDNER, MA 01440-1251
Document Number59349-359
Book / Page59349 / 359
Instrument92688
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$31.66
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants

Mortgage

Document Number593490362
DateAug 31, 2018
Instrument59349/0362
Lender
NameVILLAGE MORTGAGE CORPORATION
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 31, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyWorcester County
MunicipalityGardner City
Unified School DistrictGardner School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$44.00 (-99%)$309,300 (+5.56%) Land $74,600 Building $234,700$367,555
2024$4,392.00 (+7.67%)$293,000 (+15.86%) Land $67,800 Building $225,200
2023$4,079.00$252,900 Land $66,800 Building $186,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2016)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 2016, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 152 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Gateway Fiber HoldingsFiber2,000 / 2,000
XfinityCable1,200 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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