Worcester County and Gardner City property record for 968 Clark St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,183 sqft · built 1980 |
| Lot Size | 0.688 acres (29,976 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $118,000 (Dec 2013) |
| Tax Bill | $49 (2025) |
| Deeds & Mortgages | Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:C42 B:20 L:8 |
| Primary APN | GARD M:C42 B:20 L:8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,183 sqft Living Area |
| Gross Area | 2,828 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,976 sqft (0.688 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 968 CLARK ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-1220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 20 |
| Legal Lot Number | 8 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 707400 |
Source: Worcester County and Gardner City records, 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 Record |
|---|---|
| Mailing Address | 968 CLARK ST, GARDNER, MA 01440-1220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2013 · Amount on Record |
| Deed Sale | Dec 20, 2013 · Amount on Record |
| Prior Sale | Aug 13, 1987 · Amount on Record |
| Deed Book / Page | 51879 / 378 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 968 CLARK ST, GARDNER, MA 01440-1220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63053-257 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 63053/257 |
| Instrument | 92899 |
| Name | MMS MORTGAGE SERVICES LTD |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2045 |
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $49.00 (-98.99%) | $344,700 (+6.72%) Land $80,400 Building $264,300 | $416,100 |
| 2024 | $4,842.00 (+8.3%) | $323,000 (+16.52%) Land $73,200 Building $249,800 | |
| 2023 | $4,471.00 | $277,200 Land $72,000 Building $205,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
5G (outdoors only) and 4G LTE
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