44 Lawrence St, Gardner, MA 01440 Property Records

Worcester County and Gardner City property record for 44 Lawrence St, Gardner, MA 01440

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,952 sqft · built 1950
Lot Size	0.356 acres (15,489 sqft)
Owner	2 Trust Names on File
Last Sale	$264,000 (Dec 2017)
Tax Bill	$5,666 (2026)
Deeds & Mortgages	Jun 2021 Refinance Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:S-25 B:0006 L:0046`

Property Details

APN / Parcel Number

Primary APN	`M:S-25 B:0006 L:0046`
Alternative APN	`GARD M:R27 B:24 L:46`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,952 sqft Living Area
Gross Area	6,740 sqft
Basement Area	2,075 sqft
Unfinished Basement	2,075 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,489 sqft (0.356 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	44 LAWRENCE ST
City	GARDNER
State	MA
Zip	01440-2379
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	24
Legal Lot Number	46
Jurisdiction	GARDNER MA
Township / Civil Division	GARDNER
Census Block Group	3
Census Block	3006
Census Tract	707500

Owner

44 Lawrence St is owner-occupied and held in a trust since December 2017.

Source: Worcester County and Gardner City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	44 LAWRENCE ST, GARDNER, MA 01440-2379
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Nov 5, 2018	Deed of Trust, Mortgage ATHOL SAVINGS BANK
Dec 28, 2017	Quit Claim Deed, Transfer COLONIAL CP BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2017 · Amount on File
Deed Sale	Dec 28, 2017 · Amount on File
Prior Sale	Oct 31, 2014 · Amount on File
Deed Book / Page	58253 / 332
Transfer Doc	058253-332
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	44 LAWRENCE ST, GARDNER, MA 01440-2379
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	065311-151
Date	Jun 3, 2021
Book Page	65311/151
Instrument	76998

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARDNER MA
Property Address	44 LAWRENCE ST, GARDNER, MA 01440-2379
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59646-293
Date	Nov 5, 2018
Book Page	59646/293
Instrument	117505

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GARDNER MA
Recording Date	Dec 28, 2017
Property Address	44 LAWRENCE ST, GARDNER, MA 01440-2379
Document Number	58253-332
Book / Page	58253 / 332
Instrument	145611
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 LAWRENCE ST, GARDNER, MA 01440-2379

Mortgage

Document Number	582530337
Date	Dec 28, 2017
Instrument	58253/0337

Lender

Name	COLONIAL CP BK

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 44 Lawrence St was $5,666, up 10,017.9% from the year before.

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	$5,666.00 (+10,017.86%)	$411,500 (+3.89%) Land $87,000 Building $324,500	$464,811 (+11.33%)
2025	$56.00 (-99.05%)	$396,100 (+0.38%) Land $79,000 Building $317,100	$417,525
2024	$5,915.00	$394,600 Land $71,900 Building $322,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 44 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

Wildfire risk around 44 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.

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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