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654 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 654 Clark St, Gardner, MA 01440 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1994
Square Footage1,008 sqft Living Area
Lot Size60,000 sqft (1.37 acres)
OccupancyOwner Occupied
Last Sale$220,000 (2019)
Tax Bill$48.00 (2025)

Property Details

APN / Parcel Number

Primary APNM:H-37 B:0035N L:0001B
Alternative APN
  • GARD M:H37 B:17 L:1B

Interior

Bedrooms2 Beds
Full Baths1 Baths
Total Rooms5 Rooms
Building Area1,008 sqft Living Area
Gross Area3,966 sqft Gross Area
Stories1 Stories

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleCape Cod Style
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area60,000 sqft (1.37 acres)

Utilities and HVAC

Heating SystemHot Water Heating
Heating FuelOil Heating Fuel

Location & Zoning

Street Address654 CLARK ST
CityGARDNER
StateMA
Zip01440-1208
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Block17
Legal Lot Number1B
JurisdictionGARDNER MA
Minor Civil DivisionGARDNER
Census Blockgroup1
Census Block1008
Census Tract707400

Owner

Source: Worcester County and Gardner City records · APN M:H-37 B:0035N L:0001B

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 RecordIndividual Name on File
Mailing Address654 CLARK ST, GARDNER, MA 01440-1208
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2020Deed of Trust, Mortgage · Stand Alone Refinance
UNITED WHOLESALE MORTGAGE
Jan 02, 2019Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage
UNITED WHOLESALE MORTGAGE
Apr 10, 2017Quit Claim Deed, Transfer
GFA FEDERAL CREDIT UNION

Assessor's Deed Record

Deed NamesVerified Name on Deed
Known Transactions
  • Last Sale Amount on Jan 02, 2019
  • Deed Sale Price on Jan 02, 2019
  • Prior Sale Amount on Mar 31, 2003
Deed Doc Number2019187
Deed Book / Page59895 / 309
Transfer Doc56956-69
Record RefreshedJun 08, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionGARDNER MA
Property Address654 CLARK ST, GARDNER, MA 01440-1208
Transaction TypeMortgage
Record UpdatedMar 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number62298-52
DateApr 29, 2020
Book Page62298/52
Instrument42854
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand Alone Refinance
AmountAmount Recorded
Term361 Months
DueMay 01, 2050

January 2019: Quit Claim Arm's Length for NE States, Transfer

Document TypeQuit Claim Arm's Length for NE States
JurisdictionGARDNER MA
Recording DateJan 02, 2019
Property Address654 CLARK ST, GARDNER, MA 01440-1208
Document Number59895-309
Book / Page59895 / 309
Instrument DateJan 02, 2019
Instrument187
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address654 CLARK ST, GARDNER, MA 01440-1208

Mortgage

Document Number188
DateJan 02, 2019
Instrument188
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded

April 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionGARDNER MA
Recording DateApr 10, 2017
Property Address654 CLARK ST, GARDNER, MA 01440-1208
Document Number56956-65
Book / Page56956 / 65
Instrument35415
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$40.90
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number56956-69
DateApr 10, 2017
Book Page56956/69
Instrument35416
Lender
NameGFA FEDERAL CREDIT UNION
TypeCredit Union
Agreement
AmountAmount Recorded
Term240 Months
DueApr 01, 2037

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$48.00 (-99.01%)$337,500 (+4.3%) Land $78,300 Building $259,200$335,825
2024$4,851.00 (+6.13%)$323,600 (+14.18%) Land $71,300 Building $252,300
2023$4,571.00$283,400 Land $70,200 Building $213,200

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