28 Hemlock Ln, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 28 Hemlock Ln, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,457 sqft · built 1996
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$765,000 (Jun 2021)
Tax Bill	$12,498 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`LANC M:044.0 B:0000 L:0044.I`

Property Details

APN / Parcel Number

Primary APN	`LANC M:044.0 B:0000 L:0044.I`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,457 sqft Living Area
1st Floor Area	1,042 sqft
Basement Area	978 sqft
Unfinished Basement	378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 HEMLOCK LN
City	LANCASTER
State	MA
Zip	01523-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BALSAM RDG LANCASTER
Legal Lot Number	44.I
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3017
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	28 HEMLOCK LN, LANCASTER, MA 01523-1748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Sep 5, 2018	Quit Claim Deed, Transfer GUARANTEED RATE
Dec 1, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Sep 5, 2018 · Amount on Record
Deed Book / Page	65311 / 218
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Jun 3, 2021
Property Address	28 HEMLOCK LN, LANCASTER, MA 01523-1748
Document Number	65311-218
Book / Page	65311 / 218
Instrument Date	Jun 3, 2021
Instrument	77011
Transaction Type	Transfer
Record Updated	Jun 18, 2021

Transaction

Amount	Amount Recorded
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	28 HEMLOCK LN, LANCASTER, MA 01523-1748

Mortgage

Document Number	77012
Date	Jun 3, 2021
Instrument	77012

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	28 HEMLOCK LN, LANCASTER, MA 01523-1748
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63389-47
Date	Sep 30, 2020
Book Page	63389/47
Instrument	114903

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Sep 5, 2018
Property Address	28 HEMLOCK LN, LANCASTER, MA 01523-1748
Document Number	59360-162
Book / Page	059360 / 000162
Instrument Date	Aug 31, 2018
Instrument	93657
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,736.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	28 HEMLOCK LN LANCASTER MA 015231748, LANCASTER, MA 01523-1748

Mortgage

Document Number	59360-166
Date	Sep 5, 2018
Book Page	059360/000166
Instrument	93658

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Dec 1, 2017
Property Address	28 HEMLOCK LN, LANCASTER, MA 01523-1748
Document Number	58131-397
Book / Page	058131 / 000397
Instrument Date	Nov 30, 2017
Instrument	70
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 HEMLOCK LN LANCASTER MA 015231748, LANCASTER, MA 01523-1748

Tax Assessment & Valuation

Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Lancaster Town
Unified School District	Nashoba School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,498.00 (+6.59%)	$773,400 (+13.39%) Land $161,700 Building $611,700	$977,455 (+14.86%)
2024			$851,010
2023	$11,725.00	$682,100 Land $142,700 Building $539,400

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	4 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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hemlock Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures