869 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 869 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,539 sqft · built 2002
Lot Size	3.02 acres (131,874 sqft)
Owner	Individual Name on File
Last Sale	$29,500 (May 2007)
Tax Bill	$89 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:H37 B:1 L:2A`

Property Details

APN / Parcel Number

Primary APN	`GARD M:H37 B:1 L:2A`
Alternative APN	`M:H-37 B:0029A L:0002A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,539 sqft Living Area
Gross Area	7,598 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,874 sqft (3.02 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	869 CLARK ST
City	GARDNER
State	MA
Zip	01440-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	2A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1002
Census Tract	707400

Owner

Source: Worcester County and Gardner City assessment roll, APN GARD M:H37 B:1 L:2A, 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	869 CLARK ST, GARDNER, MA 01440-1256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit ATHOL SAVINGS BANK
May 21, 2018	Personal Representative Deed, Transfer ATHOL SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 29, 2007 · Amount on Record
Deed Sale	May 29, 2007 · Amount on Record
Prior Sale	Jul 27, 2001 · Amount on Record
Deed Document Number	200769539
Deed Book / Page	41219 / 276
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	869 CLARK ST, GARDNER, MA 01440-1256
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63531-16
Date	Oct 19, 2020
Book Page	63531/16
Instrument	124452

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2040

Interest

Rate Type	Adjustable Rate

May 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	GARDNER MA
Recording Date	May 21, 2018
Property Address	869 CLARK ST, GARDNER, MA 01440-1256
Document Number	58823-344
Book / Page	58823 / 344
Instrument	48209
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$85.42
Amount Accuracy	Non-Arm's Length Transaction
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	869 CLARK ST, GARDNER, MA 01440-1256

Mortgage

Document Number	58823-348
Date	May 21, 2018
Book Page	58823/348
Instrument	48210

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$89.00 (-99.1%)	$623,300 (-5.04%) Land $95,300 Building $528,000	$711,455
2024	$9,839.00 (+7.64%)	$656,400 (+15.83%) Land $87,500 Building $568,900
2023	$9,141.00	$566,700 Land $84,600 Building $482,100

Flood & Wildfire

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, 25 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile USA.

Cell Coverage

5G and 4G LTE (outdoors only)

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