15 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 15 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,967 sqft · built 1950
Lot Size	0.223 acres (9,726 sqft)
Owner	Individual Name on File
Last Sale	$152,000 (Jul 1988)
Tax Bill	$5,637 (2026)
Deeds & Mortgages	Jan 2021 Refinance Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R27 B:24 L:1`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R27 B:24 L:1`
Alternative APN	`M:S-26 B:0036 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,967 sqft Living Area
Gross Area	3,781 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,726 sqft (0.223 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	15 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	ALLENE L MUHLBACK
Legal Block	24
Legal Lot Number	1
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3002
Census Tract	707500

Owner

15 Lawrence St is owned and occupied by an individual who acquired it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	15 LAWRENCE ST, GARDNER, MA 01440-2337
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance ROLLSTONE BANK & TRUST
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage RESMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 1988 · Amount on File
Deed Sale	Jul 26, 1988 · Amount on File
Last Transfer Date	Jan 8, 2021
Transfer Doc	64213-84
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jan 13, 2021
Property Address	15 LAWRENCE ST, GARDNER, MA 01440-2337
Document Number	0064213-84
Book / Page	64213 / 84
Instrument Date	Jan 8, 2021
Instrument	5176
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	15 LAWRENCE ST, GARDNER, MA 01440-2337

Mortgage

Document Number	0064213-88
Date	Jan 13, 2021
Book Page	64213/88
Instrument	5177

Lender

Name	ROLLSTONE BANK & TRUST

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	15 LAWRENCE ST, GARDNER, MA 01440-2337
Document Number	58219-344
Book / Page	058219 / 000344
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58219-344
Date	Dec 20, 2017
Book Page	058219/000344
Instrument	142808

Lender

Name	RESMAC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 Lawrence St was $5,637, up 9,966.1% 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	$5,637.00 (+9,966.07%)	$409,400 (+3.78%) Land $82,700 Building $326,700	$450,151 (+14.04%)
2025	$56.00 (-99.04%)	$394,500 (+1.81%) Land $75,200 Building $319,300	$394,725
2024	$5,809.00 (+8.18%)	$387,500 (+16.4%) Land $68,400 Building $319,100
2023	$5,370.00	$332,900 Land $67,400 Building $265,500

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

Flood

FEMA maps place 15 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 15 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 244 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

May also be available: Verizon.

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