467 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 467 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1980
Lot Size	0.568 acres (24,750 sqft)
Owner	Individual Name on File
Tax Bill	$4,985 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H32 B:4 L:6`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H32 B:4 L:6`
Alternative APN	`M:I-35 B:0039C L:0006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,112 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,750 sqft (0.568 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	467 CLARK ST
City	GARDNER
State	MA
Zip	01440-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	4
Legal Lot Number	6
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1010
Census Tract	707400

Owner

467 Clark St is owned and occupied by an individual.

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 File
Mailing Address	467 CLARK ST, GARDNER, MA 01440-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU
Sep 20, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	467 CLARK ST, GARDNER, MA 01440-1205
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072941-130
Date	Dec 9, 2025
Book Page	72941/130
Instrument	107539

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2046

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	467 CLARK ST, GARDNER, MA 01440-1205
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66099-141
Date	Sep 20, 2021
Book Page	66099/141
Instrument	131630

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

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	$4,985.00 (+0.3%)	$362,000 (+4.59%) Land $84,900 Building $277,100	$374,958 (+10.96%)
2025	$4,970.00 (+2.12%)	$346,100 (+6.59%) Land $77,100 Building $269,000	$337,915
2024	$4,867.00 (+7.04%)	$324,700 (+15.18%) Land $70,100 Building $254,600
2023	$4,547.00	$281,900 Land $69,100 Building $212,800

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

Flood

FEMA maps place 467 Clark St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 467 Clark St is low, with a 0.01% annual chance of 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

5G and 4G LTE (outdoors only)

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