940 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 940 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,701 sqft · built 1986
Lot Size	2.54 acres (110,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Dec 2025)
Tax Bill	$6,191 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:C-42 B:0034 L:0021`

Property Details

APN / Parcel Number

Primary APN	`M:C-42 B:0034 L:0021`
Alternative APN	`GARD M:C42 B:25 L:21`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,701 sqft Living Area
Gross Area	3,761 sqft
Basement Area	945 sqft
Unfinished Basement	945 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	110,965 sqft (2.54 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	940 CLARK ST
City	GARDNER
State	MA
Zip	01440-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	MICHAEL MORIARTY
Legal Block	25
Legal Lot Number	21
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	2 Individual Names on Record
Mailing Address	940 CLARK ST, GARDNER, MA 01440-1220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA RURAL HOUSING
Dec 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORP
Jun 5, 2025	Foreclosure Foreclosure Auction
Mar 7, 2017	Quit Claim Deed, Transfer PACIFIC UNION FINCL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2025 · Amount on Record
Deed Sale	Dec 12, 2025 · Amount on Record
Prior Sale	Jun 5, 2025 · Amount on Record
Deed Document Number	2025108854
Deed Book / Page	72959 / 354
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	940 CLARK ST, GARDNER, MA 01440-1220
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068720-16
Date	Jan 13, 2023
Book Page	68720/16
Instrument	3808

Lender

Name	USA RURAL HOUSING

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2047

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 12, 2025
Property Address	940 CLARK ST, GARDNER, MA 01440-1220
Document Number	072959-354
Book / Page	72959 / 354
Instrument Date	Dec 12, 2025
Instrument	108854
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	940 CLARK ST, GARDNER, MA 01440-1220

Mortgage

Document Number	0000108855
Date	Dec 12, 2025
Instrument	108855

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	072959-377
Date	Dec 12, 2025
Book Page	72959/377
Instrument	108856

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2041

June 2025: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	Jun 5, 2025
Property Address	940 CLARK ST, GARDNER, MA 01440-1220
Document Number	072080-313
Book / Page	72080 / 313
Instrument Date	May 14, 2025
Instrument	45225
Transaction Type	Foreclosure
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 STILLWATER HTS DR, WORCESTER, MA

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Mar 7, 2017
Property Address	940 CLARK ST, GARDNER, MA 01440-1220
Document Number	56822-139
Book / Page	56822 / 139
Instrument	23641
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$46.12
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	568220142
Date	Mar 7, 2017
Instrument	56822/0142

Lender

Name	PACIFIC UNION FINCL

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2047

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	$6,191.00 (+8.98%)	$449,600 (+13.65%) Land $101,900 Building $347,700	$425,262 (-9.22%)
2025	$5,681.00 (-2.67%)	$395,600 (+1.59%) Land $92,900 Building $302,700	$468,445
2024	$5,837.00 (+6.13%)	$389,400 (+14.19%) Land $85,100 Building $304,300
2023	$5,500.00	$341,000 Land $82,700 Building $258,300

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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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