943 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 943 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,816 sqft · built 1997
Lot Size	2.57 acres (112,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Jun 2019)
Tax Bill	$7,129 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:C-42 B:0031A L:0023A`

Property Details

APN / Parcel Number

Primary APN	`M:C-42 B:0031A L:0023A`
Alternative APN	`GARD M:H42 B:16 L:23A`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Gross Area	4,402 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	112,272 sqft (2.57 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	943 CLARK ST
City	GARDNER
State	MA
Zip	01440-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	GARDNER & WINCHENDON
Legal Block	16
Legal Lot Number	23A
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1003
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	943 CLARK ST, GARDNER, MA 01440-1218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit LEOMINSTER CU
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEOMINSTER CU
Jun 28, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Oct 1, 1997 · Amount on Record
Deed Document Number	201962060
Deed Book / Page	60638 / 24
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	943 CLARK ST, GARDNER, MA 01440-1218
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64277-62
Date	Jan 21, 2021
Book Page	64277/62
Instrument	9201

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	943 CLARK ST, GARDNER, MA 01440-1218
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64277-45
Date	Jan 21, 2021
Book Page	64277/45
Instrument	9200

Lender

Name	LEOMINSTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jun 28, 2019
Property Address	943 CLARK ST, GARDNER, MA 01440-1218
Document Number	60638-24
Book / Page	60638 / 24
Instrument Date	Jun 28, 2019
Instrument	62060
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	943 CLARK ST, GARDNER, MA 01440-1218

Mortgage

Document Number	62061
Date	Jun 28, 2019
Instrument	62061

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First 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	$7,129.00 (+9.27%)	$517,700 (+13.96%) Land $102,000 Building $415,700	$502,584 (+1.74%)
2025	$6,524.00 (-4.87%)	$454,300 (-0.7%) Land $93,000 Building $361,300	$494,000
2024	$6,858.00 (+6.24%)	$457,500 (+14.32%) Land $85,200 Building $372,300
2023	$6,455.00	$400,200 Land $82,800 Building $317,400

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Clark St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures