109 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 109 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,049 sqft · built 1926
Lot Size	0.538 acres (23,457 sqft)
Owner	2 Individual Names on File
Last Sale	$482,000 (Jul 2024)
Tax Bill	$7,765 (2026)
Deeds & Mortgages	Feb 2023 Transfer Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:4 L:18`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:4 L:18`
Alternative APN	`M:S-24 B:0030 L:0004`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,049 sqft Living Area
Gross Area	6,064 sqft
Basement Area	1,432 sqft
Unfinished Basement	1,432 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Slate
Lot Area	23,457 sqft (0.538 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	109 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAWRENCE ESTATE DEV
Legal Block	4
Legal Lot Number	18
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3014
Census Tract	707500

Owner

109 Lawrence St is owned and occupied by two individuals who bought it in July 2024.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	109 LAWRENCE ST, GARDNER, MA 01440-2362
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 6, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on File
Deed Sale	Jul 26, 2024 · Amount on File
Prior Sale	Dec 16, 2016 · Amount on File
Deed Document Number	202459036
Deed Book / Page	70813 / 99
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Feb 6, 2023
Property Address	109 LAWRENCE ST, GARDNER, MA 01440-2362
Document Number	068804-318
Book / Page	68804 / 318
Instrument Date	Dec 14, 2022
Instrument	11209
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	109 LAWRENCE ST, GARDNER, MA 01440-2362

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	109 LAWRENCE ST, GARDNER, MA 01440-2362
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068173-146
Date	Sep 6, 2022
Book Page	68173/146
Instrument	97822

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 109 Lawrence St was $7,765, up 9,486.4% from the year before.

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	$7,765.00 (+9,486.42%)	$563,900 (-0.44%) Land $92,500 Building $471,400	$526,728 (+17.05%)
2025	$81.00 (-99.06%)	$566,400 (-1.5%) Land $84,100 Building $482,300	$450,015
2024	$8,619.00 (+7.07%)	$575,000 (+15.21%) Land $76,400 Building $498,600
2023	$8,050.00	$499,100 Land $75,300 Building $423,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Lawrence St in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 109 Lawrence St is low, with a 0.01% annual chance of 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GARDNER WATER DEPARTMENT serves 21,381 people · EPA ID MA2103000
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Gateway Fiber Fiber	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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