Worcester County and Gardner City property record for 36 Lawrence St, Gardner, MA 01440
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 5 bd · 3.5 ba · 3,675 sqft · built 1925 |
| Lot Size | 0.581 acres (25,298 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,816 (2026) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-25 B:0004 L:0044 |
| Primary APN | M:S-25 B:0004 L:0044 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,675 sqft Total Area |
| Gross Area | 5,479 sqft |
| Basement Area | 642 sqft |
| Unfinished Basement | 642 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 25,298 sqft (0.581 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 36 LAWRENCE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2338 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 44 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 707500 |
36 Lawrence St, a commercial property, is owned by an individual who acquired it in February 2008.
Source: Worcester County and Gardner City records, as of October 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 | Individual Name on File |
|---|---|
| Mailing Address | 36 LAWRENCE ST, GARDNER, MA 01440-2338 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2008 |
| Deed Sale | Feb 12, 2008 |
| Prior Sale | Dec 2, 1999 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 36 LAWRENCE ST, GARDNER, MA 01440-2338 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 58291-96 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 58291/96 |
| Instrument | 1809 |
| Name | ATHOL SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jan 1, 2048 |
The 2026 property tax bill for 36 Lawrence St was $7,816, up 9,793.7% from the year before.
Source: Worcester County and Gardner City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,816.00 (+9,793.67%) | $567,630 (+2.89%) Land $84,330 Building $483,300 | $535,898 (-17.25%) |
| 2025 | $79.00 (-98.98%) | $551,700 (+6.4%) Land $85,200 Building $466,500 | $647,615 |
| 2024 | $7,772.00 (+3.53%) | $518,500 (+11.41%) Land $77,500 Building $441,000 | |
| 2023 | $7,507.00 | $465,400 Land $76,400 Building $389,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 36 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 risk around 36 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.
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 |
| 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.
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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