35 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 35 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,252 sqft · built 1930
Lot Size	0.242 acres (10,548 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Oct 2020)
Tax Bill	$7,337 (2026)
Deeds & Mortgages	Nov 2019 Refinance Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-25 B:0035 L:0043`

Property Details

APN / Parcel Number

Primary APN	`M:S-25 B:0035 L:0043`
Alternative APN	`GARD M:R27 B:24 L:43`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	4,140 sqft
Basement Area	894 sqft
Unfinished Basement	894 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Metal
Lot Area	10,548 sqft (0.242 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Geothermal
Heating Fuel	Oil

Location & Zoning

Street Address	35 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2337
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	43
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 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	35 LAWRENCE ST, GARDNER, MA 01440-2337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GFA FEDERAL CREDIT UNION
Oct 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 10, 2017	Quit Claim Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Oct 10, 2017 · Amount on Record
Deed Book / Page	63639 / 97
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	63639-97
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	35 LAWRENCE ST, GARDNER, MA 01440-2337
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61365-239
Date	Nov 5, 2019
Book Page	61365/239
Instrument	118257

Lender

Name	GFA FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2039

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 30, 2020
Property Address	35 LAWRENCE ST, GARDNER, MA 01440-2337
Document Number	63639-97
Book / Page	063639 / 000097
Instrument Date	Oct 26, 2020
Instrument	131646
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,664.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 LAWRENCE ST GARDNER MA 014402337, GARDNER, MA 01440-2337

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Oct 10, 2017
Property Address	35 LAWRENCE ST, GARDNER, MA 01440-2337
Document Number	57861-238
Book / Page	057861 / 000238
Instrument Date	Aug 14, 2017
Instrument	112124
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,518.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	35 LAWRENCE ST GARDNER MA 014402337, GARDNER, MA 01440-2337

Mortgage

Document Number	57861-243
Date	Oct 10, 2017
Book Page	057861/000243
Instrument	112125

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2047

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	$7,337.00 (+11,016.67%)	$532,800 (+14.26%) Land $83,300 Building $449,500	$495,992 (+15.25%)
2025	$66.00 (-99.04%)	$466,300 (+1.48%) Land $75,700 Building $390,600	$430,350
2024	$6,888.00 (+7.49%)	$459,500 (+15.66%) Land $68,900 Building $390,600
2023	$6,408.00	$397,300 Land $67,900 Building $329,400

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	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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