922 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 922 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,267 sqft · built 1984
Lot Size	0.918 acres (40,000 sqft)
Owner	Individual Name on Record
Last Sale	$373,000 (May 2022)
Tax Bill	$5,076 (2026)
Deeds & Mortgages	Jun 2021 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:C42 B:25 L:2`

Property Details

APN / Parcel Number

Primary APN	`GARD M:C42 B:25 L:2`
Alternative APN	`M:C-42 B:0029 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,267 sqft Living Area
Gross Area	2,524 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,000 sqft (0.918 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	922 CLARK ST
City	GARDNER
State	MA
Zip	01440-1258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	25
Legal Lot Number	2
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1004
Census Tract	707400

Owner

Source: Worcester County and Gardner City records, as of October 20, 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 Record
Mailing Address	922 CLARK ST, GARDNER, MA 01440-1258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 16, 2022	Quit Claim Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Nov 14, 2019	Quit Claim Deed, Transfer · FHA Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Nov 14, 2019 · Amount on Record
Deed Book / Page	67599 / 260
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	922 CLARK ST, GARDNER, MA 01440-1258
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065313-268
Date	Jun 3, 2021
Book Page	65313/268
Instrument	77168

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2049

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 16, 2022
Property Address	922 CLARK ST, GARDNER, MA 01440-1258
Document Number	067599-260
Book / Page	67599 / 260
Instrument Date	May 16, 2022
Instrument	53325
Transaction Type	Transfer
Record Updated	Jun 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 CLARK ST, GARDNER, MA 01440-1258

Mortgage

Document Number	0000053326
Date	May 16, 2022
Instrument	53326

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 14, 2019
Property Address	922 CLARK ST, GARDNER, MA 01440-1258
Document Number	61419-202
Book / Page	61419 / 202
Instrument Date	Nov 12, 2019
Instrument	122497
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 CLARK ST, GARDNER, MA 01440-1258

Mortgage

Document Number	122498
Date	Nov 14, 2019
Instrument	122498

Lender

Name	KELLER MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,076.00 (+10,052%)	$368,600 (+4.12%) Land $92,800 Building $275,800	$405,892 (-5.31%)
2025	$50.00 (-99%)	$354,000 (+5.7%) Land $84,400 Building $269,600	$428,640
2024	$5,020.00 (+8.35%)	$334,900 (+16.61%) Land $76,800 Building $258,100
2023	$4,633.00	$287,200 Land $75,600 Building $211,600

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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