20 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 20 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,012 sqft · built 1950
Lot Size	0.189 acres (8,231 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2018)
Tax Bill	$6,473 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:T-26 B:0002 L:0003`

Property Details

APN / Parcel Number

Primary APN	`M:T-26 B:0002 L:0003`
Alternative APN	`GARD M:R27 B:24 L:63`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Gross Area	5,246 sqft
Basement Area	2,012 sqft
Unfinished Basement	2,012 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,231 sqft (0.189 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	63
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	20 LAWRENCE ST, GARDNER, MA 01440-2338
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2017	Deed of Trust, Mortgage GFA FEDERAL CREDIT UNION
Aug 15, 2018	Quit Claim Deed, Transfer · Conventional Mortgage TANYA BARNETT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Deed Book / Page	59261 / 30
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	20 LAWRENCE ST, GARDNER, MA 01440-2338
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57242-262
Date	Jun 12, 2017
Book Page	57242/262
Instrument	59770

Lender

Name	GFA FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2032

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Aug 15, 2018
Property Address	20 LAWRENCE ST, GARDNER, MA 01440-2338
Document Number	59261-30
Book / Page	059261 / 000030
Instrument Date	Aug 15, 2018
Instrument	85337
Transaction Type	Transfer
Record Updated	Sep 4, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAWRENCE ST GARDNER MA 014402338, GARDNER, MA 01440-2338

Mortgage

Document Number	59261-34
Date	Aug 15, 2018
Book Page	059261/000034
Instrument	85338

Lender

Name	TANYA BARNETT
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$6,473.00 (+0.15%)	$470,100 (+4.44%) Land $81,700 Building $388,400	$384,465
2025	$6,463.00 (-1.94%)	$450,100 (+2.37%) Land $74,200 Building $375,900
2024	$6,591.00 (+10.7%)	$439,700 (+19.13%) Land $67,500 Building $372,200
2023	$5,954.00	$369,100 Land $66,500 Building $302,600

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 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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