Worcester County and Gardner City property record for 164 Lawrence St, Gardner, MA 01440
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 4,674 sqft · built 1930 |
| Lot Size | 0.8 acres (34,839 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,500 (Jan 2016) |
| Tax Bill | $9,821 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | GARD M:R22 B:9 L:12 |
| Primary APN | GARD M:R22 B:9 L:12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 4,674 sqft Living Area |
| Gross Area | 9,587 sqft |
| Basement Area | 1,504 sqft |
| Unfinished Basement | 1,504 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,839 sqft (0.8 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 164 LAWRENCE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2364 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 9 |
| Legal Lot Number | 12 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 707500 |
164 Lawrence St is owned and occupied by an individual who bought it in January 2016.
Source: Worcester County and Gardner City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 164 LAWRENCE ST, GARDNER, MA 01440-2364 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2016 · Amount on File |
| Deed Sale | Jan 29, 2016 · Amount on File |
| Prior Sale | Oct 11, 1994 · Amount on File |
| Deed Book / Page | 54887 / 323 |
| Transfer Doc | 054887-323 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 164 LAWRENCE ST, GARDNER, MA 01440-2364 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0064896-35 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 64896/35 |
| Instrument | 49059 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2026 property tax bill for 164 Lawrence St was $9,821, up 10,934.8% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,821.00 (+10,934.83%) | $713,200 (+14.2%) Land $99,600 Building $613,600 | $616,045 (-9.38%) |
| 2025 | $89.00 (-99.08%) | $624,500 (-3.28%) Land $90,600 Building $533,900 | $679,820 |
| 2024 | $9,679.00 (+6.9%) | $645,700 (+15.04%) Land $82,400 Building $563,300 | |
| 2023 | $9,054.00 | $561,300 Land $81,100 Building $480,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 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 risk around 164 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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