992 Clark St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 992 Clark St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,556 sqft · built 1980
Lot Size	0.46 acres (20,022 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (May 2014)
Tax Bill	$5,688 (2026)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:C-42 B:0030I L:0010`

Property Details

APN / Parcel Number

Primary APN	`M:C-42 B:0030I L:0010`
Alternative APN	`GARD M:C42 B:20 L:10`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,556 sqft Living Area
Gross Area	2,674 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,022 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	992 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	10
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	992 CLARK ST, GARDNER, MA 01440-1220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2014 · Amount on Record
Deed Sale	May 23, 2014 · Amount on Record
Deed Book / Page	52353 / 184
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	992 CLARK ST, GARDNER, MA 01440-1220
Document Number	61195-387
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 CLARK ST GARDNER MA 014401220, GARDNER, MA 01440-1220

Mortgage

Document Number	61195-387
Date	Oct 8, 2019
Book Page	061195/000387
Instrument	105596

Lender

Name	SYNERGY ONE LNDG

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

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	$5,688.00 (+9,878.95%)	$413,100 (+3.72%) Land $82,000 Building $331,100	$425,244 (+8.31%)
2025	$57.00 (-98.99%)	$398,300 (+5.82%) Land $74,600 Building $323,700	$392,635
2024	$5,642.00 (+8.79%)	$376,400 (+17.08%) Land $67,800 Building $308,600
2023	$5,186.00	$321,500 Land $66,800 Building $254,700

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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