116 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 116 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,150 sqft · built 1937
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$337,500 (Jul 2017)
Tax Bill	$8,681 (2026)
Deeds & Mortgages	Oct 2022 Refinance Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:4 L:9`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:4 L:9`
Alternative APN	`M:S-24 B:0012 L:0009`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,150 sqft Living Area
Gross Area	5,540 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	116 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	LAWRENCE ESTATE DEV
Legal Block	4
Legal Lot Number	9
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707500

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	2 Individual Names on Record
Mailing Address	116 LAWRENCE ST, GARDNER, MA 01440-2363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jul 24, 2017	Quit Claim Deed, Transfer · Conventional with PMI WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Prior Sale	Dec 20, 2013 · Amount on Record
Deed Book / Page	57465 / 183
Transfer Doc	057465-183
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	116 LAWRENCE ST, GARDNER, MA 01440-2363
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068344-215
Date	Oct 13, 2022
Book Page	68344/215
Instrument	111384

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	116 LAWRENCE ST, GARDNER, MA 01440-2363
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064275-22
Date	Jan 21, 2021
Book Page	64275/22
Instrument	9094

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 24, 2017
Property Address	116 LAWRENCE ST, GARDNER, MA 01440-2363
Document Number	57465-183
Book / Page	057465 / 000183
Instrument Date	Jul 24, 2017
Instrument	78878
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	116 LAWRENCE ST GARDNER MA 014402363, GARDNER, MA 01440-2363

Mortgage

Document Number	57465-189
Date	Jul 24, 2017
Book Page	057465/000189
Instrument	78879

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 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
2026	$8,681.00 (+10,888.61%)	$630,400 (+13.65%) Land $104,700 Building $525,700	$580,303 (+2.8%)
2025	$79.00 (-99.04%)	$554,700 (+0.73%) Land $95,000 Building $459,700	$564,490
2024	$8,255.00 (+6.74%)	$550,700 (+14.85%) Land $86,500 Building $464,200
2023	$7,734.00	$479,500 Land $85,200 Building $394,300

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	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

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 215 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Gateway Fiber, T-Mobile, Verizon.

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