208 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 208 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,456 sqft · built 2006
Lot Size	0.219 acres (9,530 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Sep 2025)
Tax Bill	$6,110 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:S-22 B:0005 L:0016`

Property Details

APN / Parcel Number

Primary APN	`M:S-22 B:0005 L:0016`
Alternative APN	`GARD M:R22 B:14 L:16`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
Gross Area	2,228 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,530 sqft (0.219 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	208 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2364
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	14
Legal Lot Number	16
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707500

Owner

208 Lawrence St is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	208 LAWRENCE ST, GARDNER, MA 01440-2364
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on File
Deed Sale	Sep 24, 2025 · Amount on File
Prior Sale	Jul 26, 2013 · Amount on File
Deed Document Number	202581683
Deed Book / Page	72575 / 230
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 24, 2025
Property Address	208 LAWRENCE ST, GARDNER, MA 01440-2364
Document Number	072575-230
Book / Page	72575 / 230
Instrument Date	Sep 24, 2025
Instrument	81683
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	208 LAWRENCE ST, GARDNER, MA 01440-2364

Mortgage

Document Number	0000081684
Date	Sep 24, 2025
Instrument	81684

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 208 Lawrence St was $6,110, up 11.7% 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	$6,110.00 (+11.74%)	$443,700 (+16.52%) Land $82,600 Building $361,100	$432,456 (+31.76%)
2025	$5,468.00 (-1.71%)	$380,800 (+2.61%) Land $75,100 Building $305,700	$328,225
2024	$5,563.00 (+6.08%)	$371,100 (+14.15%) Land $68,300 Building $302,800
2023	$5,244.00	$325,100 Land $67,300 Building $257,800

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

Flood

FEMA maps place 208 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 208 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 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

Nearby Properties on Lawrence St

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