3 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 3 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,594 sqft · built 1949
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (Jul 2019)
Tax Bill	$60 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Sep 2018 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-26 B:0037 L:0002`

Property Details

APN / Parcel Number

Primary APN	`M:S-26 B:0037 L:0002`
Alternative APN	`GARD M:R27 B:24 L:62`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,594 sqft Living Area
Gross Area	5,131 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Legal Lot Number	62
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3002
Census Tract	707500

Owner

Source: Worcester County and Gardner City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	105 SUNNYHILL RD, LUNENBURG, MA 01462-1332
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2019	Quit Claim Deed, Transfer · Conventional with PMI ROSS MTG CO INC
Sep 18, 2018	Quit Claim Deed, Foreclosure
May 3, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on Record
Deed Sale	Jul 19, 2019 · Amount on Record
Prior Sale	Sep 18, 2018
Deed Document Number	201969539
Deed Book / Page	60728 / 301
Prior Transfer Date	Jun 24, 2019
Prior Transfer Doc	60728-301
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Jul 19, 2019
Property Address	3 LAWRENCE ST, GARDNER, MA 01440-2335
Document Number	60728-301
Book / Page	060728 / 000301
Instrument Date	Jun 24, 2019
Instrument	69539
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,321.94
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SUNNYHILL RD LUNENBURG MA 014621332, LUNENBURG, MA 01462-1332

Mortgage

Document Number	60728-305
Date	Jul 19, 2019
Book Page	060728/000305
Instrument	69540

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

September 2018: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Sep 18, 2018
Property Address	3 LAWRENCE ST, GARDNER, MA 01440-2335
Document Number	59418-311
Book / Page	059418 / 000311
Instrument Date	Aug 17, 2018
Instrument	98508
Transaction Type	Foreclosure
Record Updated	Oct 9, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132
Investor	Possibly a Property Investor

May 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	GARDNER MA
Recording Date	May 3, 2018
Property Address	3 LAWRENCE ST, GARDNER, MA 01440-2335
Document Number	58754-166
Book / Page	058754 / 000166
Instrument Date	Apr 23, 2018
Instrument	42293
Transaction Type	Foreclosure
Record Updated	May 23, 2018

Transaction

Amount	Amount Recorded
Tax	$1,055.80
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

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
2025	$60.00 (-99.05%)	$423,700 (+0.38%) Land $83,900 Building $339,800	$399,760
2024	$6,327.00 (+5.96%)	$422,100 (+14.02%) Land $76,200 Building $345,900
2023	$5,971.00	$370,200 Land $75,100 Building $295,100

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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