944 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 944 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,781 sqft · built 1986
Lot Size	2.38 acres (103,996 sqft)
Owner	Individual Name on File
Last Sale	$241,000 (May 2018)
Tax Bill	$51 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:C-42 B:0032 L:0019`

Property Details

APN / Parcel Number

Primary APN	`M:C-42 B:0032 L:0019`
Alternative APN	`GARD M:C42 B:25 L:19`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,781 sqft Living Area
Gross Area	3,651 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Logs
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	103,996 sqft (2.38 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	944 CLARK ST
City	GARDNER
State	MA
Zip	01440-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	25
Legal Lot Number	19
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	1
Census Block	1004
Census Tract	707400

Owner

Source: Worcester County and Gardner City assessment roll, as of April 14, 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	944 CLARK ST, GARDNER, MA 01440-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 24, 2018	Quit Claim Deed, Transfer · VA Mortgage SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Aug 1, 2014 · Amount on Record
Deed Book / Page	58842 / 11
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	944 CLARK ST, GARDNER, MA 01440-1220
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066537-68
Date	Nov 16, 2021
Book Page	66537/68
Instrument	160381

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Dec 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	944 CLARK ST, GARDNER, MA 01440-1220
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66537-68
Date	Nov 16, 2021
Book Page	66537/68
Instrument	160381

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	325 Months
Due	Dec 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	944 CLARK ST, GARDNER, MA 01440-1220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62367-43
Date	May 11, 2020
Book Page	62367/43
Instrument	47397

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jun 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	May 24, 2018
Property Address	944 CLARK ST, GARDNER, MA 01440-1220
Document Number	58842-11
Book / Page	58842 / 11
Instrument	49697
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$39.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	944 CLARK ST, GARDNER, MA 01440-1220

Mortgage

Document Number	588420015
Date	May 24, 2018
Instrument	58842/0015

Lender

Name	SALEM FIVE MTG CO

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

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
2025	$51.00 (-99.01%)	$359,100 (+4.97%) Land $92,100 Building $267,000	$429,305
2024	$5,128.00 (+2.52%)	$342,100 (+10.32%) Land $84,300 Building $257,800
2023	$5,002.00	$310,100 Land $82,000 Building $228,100

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 at the parcel

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 USA.

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