192 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 192 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,370 sqft · built 1990
Lot Size	0.657 acres (28,635 sqft)
Owner	Individual Name on Record
Last Sale	$460,000 (Jul 2019)
Tax Bill	$9,599 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`GARD M:R22 B:9 L:14`

Property Details

APN / Parcel Number

Primary APN	`GARD M:R22 B:9 L:14`
Alternative APN	`M:S-23 B:0018 L:0014`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,370 sqft Living Area
Gross Area	6,107 sqft
Basement Area	1,825 sqft
Unfinished Basement	1,825 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,635 sqft (0.657 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	192 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	14
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	Individual Name on Record
Mailing Address	192 LAWRENCE ST, GARDNER, MA 01440-2364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROSS MTG CO INC
Jul 29, 2019	Quit Claim Deed, Transfer · Conventional Mortgage ROSS MTG CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Feb 11, 1991 · Amount on Record
Deed Document Number	201973781
Deed Book / Page	60782 / 342
Prior Transfer Date	Jul 24, 2019
Prior Transfer Doc	60782-342
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	192 LAWRENCE ST, GARDNER, MA 01440-2364
Document Number	62864-328
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 LAWRENCE ST GARDNER MA 014402364, GARDNER, MA 01440-2364

Mortgage

Document Number	62864-328
Date	Jul 24, 2020
Book Page	062864/000328
Instrument	80249

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 29, 2019
Property Address	192 LAWRENCE ST, GARDNER, MA 01440-2364
Document Number	60782-342
Book / Page	060782 / 000342
Instrument Date	Jul 24, 2019
Instrument	73781
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,097.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 LAWRENCE ST GARDNER MA 014402364, GARDNER, MA 01440-2364

Mortgage

Document Number	60782-346
Date	Jul 29, 2019
Book Page	060782/000346
Instrument	73782

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

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	$9,599.00 (+10,933.33%)	$697,100 (+14.71%) Land $96,300 Building $600,800	$633,921 (+5.73%)
2025	$87.00 (-99.07%)	$607,700 (-2.97%) Land $87,500 Building $520,200	$599,545
2024	$9,388.00 (+4.23%)	$626,300 (+12.16%) Land $79,600 Building $546,700
2023	$9,007.00	$558,400 Land $78,400 Building $480,000

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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