Worcester County and Gardner City property record for 535 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,240 sqft · built 2009 |
| Lot Size | 0.972 acres (42,334 sqft) |
| Owner | Individual Name on File |
| Last Sale | $469,000 (Mar 2024) |
| Tax Bill | $65 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jun 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:H-37 B:0038B L:0039B |
| Primary APN | M:H-37 B:0038B L:0039B |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,240 sqft Living Area |
| Gross Area | 3,422 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,334 sqft (0.972 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 535 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1253 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SURVEYED DYMEK CUSTOM BLDRS IN |
| Legal Block | 24 |
| Legal Lot Number | 39B |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City assessment roll, APN M:H-37 B:0038B L:0039B, as of 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 | Individual Name on File |
|---|---|
| Mailing Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Mar 12, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 07, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEWREZ LLC |
| Dec 11, 2020 | Deed of Trust, Mortgage · ARM WORKERS CU |
| May 02, 2017 | Quit Claim Deed, Transfer · VA Mortgage EVOLVE BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 12, 2024 · Amount on Record |
| Deed Sale | Mar 12, 2024 · Amount on Record |
| Prior Sale | Jun 07, 2023 · Amount on Record |
| Deed Book / Page | 70275 / 107 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Mar 12, 2024 |
| Property Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Document Number | 070275-107 |
| Book / Page | 70275 / 107 |
| Instrument Date | Mar 12, 2024 |
| Instrument | 17623 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2024 |
| 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 |
|---|---|
| Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Document Number | 0000017624 |
|---|---|
| Date | Mar 12, 2024 |
| Instrument | 17624 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Apr 01, 2031 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | Jun 07, 2023 |
| Property Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Document Number | 069225-390 |
| Book / Page | 69225 / 390 |
| Instrument Date | Jun 07, 2023 |
| Instrument | 44266 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2023 |
| 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 | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Document Number | 0000044268 |
|---|---|
| Date | Jun 07, 2023 |
| Instrument | 44268 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63956-124 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 63956/124 |
| Instrument | 153645 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Jan 01, 2026 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARDNER MA |
| Recording Date | May 02, 2017 |
| Property Address | 535 CLARK ST, GARDNER, MA 01440-1253 |
| Document Number | 57060-194 |
| Book / Page | 057060 / 000194 |
| Instrument Date | May 02, 2017 |
| Instrument | 44278 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,067.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 535 CLARK ST GARDNER MA 014401253, GARDNER, MA 01440-1253 |
| Document Number | 57060-199 |
|---|---|
| Date | May 02, 2017 |
| Book Page | 057060/000199 |
| Instrument | 44279 |
| Name | EVOLVE BK&TR |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2047 |
Source: Worcester County and Gardner City assessment roll as of 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 | $65.00 (-98.96%) | $455,100 (+9.61%) Land $84,500 Building $370,600 | $435,195 |
| 2024 | $6,224.00 (+3.53%) | $415,200 (+11.4%) Land $77,000 Building $338,200 | |
| 2023 | $6,012.00 | $372,700 Land $75,800 Building $296,900 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277074001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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, 152 locations within half a mile, 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 |
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system MA2103000, 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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