Worcester County and Gardner City property record for 538 Clark St, Gardner, MA 01440
| Property Type | Commercial |
|---|---|
| Details | 2 ba · 6,047 sqft · built 1925 |
| Lot Size | 94.9 acres (4,138,070 sqft) |
| Owner | Company Name on File |
| Last Sale | $4,000 (May 1998) |
| Tax Bill | $6,143 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:H32 B:4 L:19 |
| Primary APN | GARD M:H32 B:4 L:19 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 6,047 sqft Total Area |
| Gross Area | 11,024 sqft |
| Basement Area | 3,790 sqft |
| Unfinished Basement | 3,790 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 4,138,070 sqft (94.9 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 538 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1252 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R2 |
| Legal Block | 4 |
| Legal Lot Number | 19 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 707400 |
538 Clark St, a commercial property, is owned by a company that bought it in May 1998.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 396, GARDNER, MA 01440-0396 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 1998 · Amount on File |
| Deed Sale | May 28, 1998 · Amount on File |
| Deed Book / Page | 19996 / 4 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 538 CLARK ST, GARDNER, MA 01440-1252 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0072580-30 |
|---|---|
| Date | Sep 25, 2025 |
| Book Page | 72580/30 |
| Instrument | 82004 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 538 Clark St was $6,143, down 61.6% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $6,143.00 (-61.6%) | $446,100 (-59.96%) Land $148,800 Building $297,300 |
| 2025 | $15,998.00 (-3.05%) | $1,114,100 (+1.2%) Land $816,800 Building $297,300 |
| 2024 | $16,502.00 | $1,100,900 Land $809,600 Building $291,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 538 Clark St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.
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 |
|---|---|
| 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 risk around 538 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.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
4G LTE (outdoors only), no 5G reported
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