984 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 984 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1980
Lot Size	0.46 acres (20,017 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2021)
Tax Bill	$4,574 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:C42 B:20 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:C42 B:20 L:9`
Alternative APN	`M:C-42 B:0030H L:0009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,120 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,017 sqft (0.46 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	984 CLARK ST
City	GARDNER
State	MA
Zip	01440-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	CHICOINE CONSTRUCTION INC
Legal Block	20
Legal Lot Number	9
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	Individual Name on Record
Mailing Address	984 CLARK ST, GARDNER, MA 01440-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Sep 30, 2010 · Amount on Record
Deed Document Number	202196808
Deed Book / Page	65596 / 113
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	984 CLARK ST, GARDNER, MA 01440-1220
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068229-268
Date	Sep 19, 2022
Book Page	68229/268
Instrument	102331

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 12, 2021
Property Address	984 CLARK ST, GARDNER, MA 01440-1220
Document Number	065596-113
Book / Page	65596 / 113
Instrument Date	Jul 12, 2021
Instrument	96808
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	984 CLARK ST, GARDNER, MA 01440-1220
Investor	Possibly a Property Investor

Mortgage

Document Number	0000096809
Date	Jul 12, 2021
Instrument	96809

Lender

Name	ROSS MORTGAGE COMPANY INC

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	$4,574.00 (+10,064.44%)	$332,200 (+4.96%) Land $82,000 Building $250,200	$361,646 (+11.44%)
2025	$45.00 (-98.98%)	$316,500 (+7.22%) Land $74,600 Building $241,900	$324,520
2024	$4,425.00 (+8.78%)	$295,200 (+17.05%) Land $67,800 Building $227,400
2023	$4,068.00	$252,200 Land $66,800 Building $185,400

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 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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