147 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 147 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,245 sqft · built 1927
Lot Size	0.498 acres (21,708 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2021)
Tax Bill	$5,830 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:9 L:7`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:9 L:7`
Alternative APN	`M:S-23 B:0026 L:0007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,245 sqft Living Area
Gross Area	3,360 sqft
Basement Area	971 sqft
Unfinished Basement	971 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Conventional
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,708 sqft (0.498 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	147 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	9
Legal Lot Number	7
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3014
Census Tract	707500

Owner

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	Individual Name on File
Mailing Address	147 LAWRENCE ST, GARDNER, MA 01440-2362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2021 · Amount on File
Deed Sale	Nov 26, 2021 · Amount on File
Prior Sale	May 25, 2012 · Amount on File
Deed Book / Page	66618 / 308
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Nov 26, 2021
Property Address	147 LAWRENCE ST, GARDNER, MA 01440-2362
Document Number	66618-308
Book / Page	66618 / 308
Instrument Date	Nov 26, 2021
Instrument	165786
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	147 LAWRENCE ST, GARDNER, MA 01440-2362

Mortgage

Document Number	165787
Date	Nov 26, 2021
Instrument	165787

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$5,830.00 (+10,310.71%)	$423,400 (+8.07%) Land $91,300 Building $332,100	$467,735 (+3.13%)
2025	$56.00 (-99.01%)	$391,800 (+4.06%) Land $83,100 Building $308,700	$453,530
2024	$5,644.00 (+2.71%)	$376,500 (+10.51%) Land $75,500 Building $301,000
2023	$5,495.00	$340,700 Land $74,400 Building $266,300

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 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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