Worcester County and Gardner City property record for 41 Lawrence St, Gardner, MA 01440
| Property Type | Triplex |
|---|---|
| Details | 4 bd · 3 ba · 3,215 sqft · built 1940 |
| Lot Size | 0.279 acres (12,150 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $76 (2025) |
| Deeds & Mortgages | Jul 2023 Refinance Mar 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:S-25 B:0034 L:0042 |
| Primary APN | M:S-25 B:0034 L:0042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 3,215 sqft Living Area |
| Gross Area | 5,808 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,150 sqft (0.279 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 41 LAWRENCE ST |
|---|---|
| City | GARDNER |
| State | MA |
| Zip | 01440-2337 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Legal Block | 24 |
| Legal Lot Number | 42 |
| Jurisdiction | GARDNER MA |
| Township / Civil Division | GARDNER |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 707500 |
Source: Worcester County and Gardner City records · APN M:S-25 B:0034 L:0042
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 41 LAWRENCE ST, GARDNER, MA 01440-2337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK |
| Mar 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Mar 05, 2019 | Deed of Trust, Mortgage · Balloon Mortgage GFA FEDERAL CREDIT UNION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 41 LAWRENCE ST, GARDNER, MA 01440-2337 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069429-203 |
|---|---|
| Date | Jul 26, 2023 |
| Book Page | 69429/203 |
| Instrument | 60131 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 41 LAWRENCE ST, GARDNER, MA 01440-2337 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00068913-1 |
|---|---|
| Date | Mar 14, 2023 |
| Book Page | 68913/1 |
| Instrument | 20054 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARDNER MA |
| Property Address | 41 LAWRENCE ST, GARDNER, MA 01440-2337 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 60114-85 |
|---|---|
| Date | Mar 05, 2019 |
| Book Page | 60114/85 |
| Instrument | 19478 |
| Name | GFA FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2039 |
Source: Worcester County and Gardner City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Gardner City |
| Unified School District | Gardner School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $76.00 (-98.77%) | $535,500 (+29.85%) Land $76,800 Building $458,700 |
| 2024 | $6,182.00 (+2.76%) | $412,400 (+10.56%) Land $69,900 Building $342,500 |
| 2023 | $6,016.00 | $373,000 Land $68,900 Building $304,100 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), as of November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277075003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
May also be available: Verizon.
Based on FCC filings for 244 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA2103000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | GARDNER WATER DEPARTMENT serves 21,381 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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