977 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 977 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft · built 1993
Lot Size	1.71 acres (74,810 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Dec 2005)
Tax Bill	$51 (2025)
Deeds & Mortgages	Nov 2023 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:C-42 B:0033 L:0025`

Property Details

APN / Parcel Number

Primary APN	`M:C-42 B:0033 L:0025`
Alternative APN	`GARD M:C42 B:20 L:25`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	2,546 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,810 sqft (1.71 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	977 CLARK ST
City	GARDNER
State	MA
Zip	01440-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	20
Legal Lot Number	25
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 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	977 CLARK ST, GARDNER, MA 01440-1218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
May 11, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 2, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2005 · Amount on Record
Deed Sale	Dec 9, 2005 · Amount on Record
Prior Sale	Sep 1, 1995 · Amount on Record
Deed Document Number	2005211147
Deed Book / Page	37991 / 229
Transfer Doc	56698-145
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	977 CLARK ST, GARDNER, MA 01440-1218
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069895-128
Date	Nov 17, 2023
Book Page	69895/128
Instrument	96585

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	977 CLARK ST, GARDNER, MA 01440-1218
Transaction Type	Mortgage
Record Updated	Dec 10, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65136-286
Date	May 11, 2021
Book Page	65136/286
Instrument	64772

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jun 1, 2047

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 2, 2017
Property Address	977 CLARK ST, GARDNER, MA 01440-1218
Document Number	56698-140
Book / Page	056698 / 000140
Instrument Date	Jan 18, 2017
Instrument	12396
Transaction Type	Transfer
Record Updated	Feb 22, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 CLARK ST GARDNER MA 014401218, GARDNER, MA 01440-1218

Mortgage

Document Number	56698-145
Date	Feb 2, 2017
Book Page	056698/000145
Instrument	12397

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 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
2025	$51.00 (-99.04%)	$355,900 (+0.79%) Land $88,700 Building $267,200	$391,115
2024	$5,293.00 (+6.48%)	$353,100 (+14.57%) Land $80,900 Building $272,200
2023	$4,971.00	$308,200 Land $79,400 Building $228,800

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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