Worcester County and Gardner City property record for 451 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,792 sqft · built 1966 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jul 2020) |
| Tax Bill | $48 (2025) |
| Deeds & Mortgages | Jun 2021 Refinance Jul 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H32 B:5 L:6 |
| Primary APN | GARD M:H32 B:5 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| Gross Area | 2,884 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,000 sqft (0.459 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 451 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 5 |
| Legal Lot Number | 6 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records · APN GARD M:H32 B:5 L:6
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 451 CLARK ST, GARDNER, MA 01440-1205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC |
| Jul 01, 2020 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Apr 09, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Nov 05, 2019 | Deed in Lieu of Foreclosure, Foreclosure NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2020 · Amount on Record |
| Deed Sale | Jul 01, 2020 · Amount on Record |
| Prior Sale | Apr 09, 2020 · Amount on Record |
| Deed Document Number | 202069904 |
| Deed Book / Page | 62707 / 391 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 451 CLARK ST, GARDNER, MA 01440-1205 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 065508-210 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 65508/210 |
| Instrument | 90956 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jul 01, 2020 |
| Property Address | 451 CLARK ST, GARDNER, MA 01440-1205 |
| Document Number | 62707-391 |
| Book / Page | 62707 / 391 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 69904 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 374 LAMPLIGHTER DR, MELBOURNE, FL 32934-8015 |
| Document Number | 69905 |
|---|---|
| Date | Jul 01, 2020 |
| Instrument | 69905 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Apr 09, 2020 |
| Property Address | 451 CLARK ST, GARDNER, MA 01440-1205 |
| Document Number | 62182-45 |
| Book / Page | 062182 / 000045 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 35878 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $495.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 19 PIERCE AVE #2 FITCHBURG MA 014207111, 2, FITCHBURG, MA 01420-7111 |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Nov 05, 2019 |
| Property Address | 451 CLARK ST, GARDNER, MA 01440-1205 |
| Document Number | 61367-35 |
| Book / Page | 061367 / 000035 |
| Instrument Date | Oct 03, 2019 |
| Instrument | 118385 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $849.81 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500 |
| Investor | Possibly a Property Investor |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48.00 (-99.01%) | $335,700 (+3.93%) Land $74,600 Building $261,100 | $389,785 |
| 2024 | $4,842.00 (+7.17%) | $323,000 (+15.32%) Land $67,800 Building $255,200 | |
| 2023 | $4,518.00 | $280,100 Land $66,800 Building $213,300 |
Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 152 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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