57 Hemlock Ln, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 57 Hemlock Ln, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1996
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$637,000 (Aug 2021)
Tax Bill	$10,703 (2025)
Deeds & Mortgages	Sep 2026 Mortgage May 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`LANC M:044.0 B:0000 L:0044.C`

Property Details

APN / Parcel Number

Primary APN	`LANC M:044.0 B:0000 L:0044.C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	57 HEMLOCK LN
City	LANCASTER
State	MA
Zip	01523-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BALSAM RDG
Legal Lot Number	44.C
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3017
Census Tract	713100

Owner

Source: Worcester County and Lancaster Town records, as of October 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	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CLINTON SAVINGS BANK
May 16, 2023	Deed of Trust, Mortgage · Line of Credit CLINTON SAVINGS BANK
Aug 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Mar 25, 2021	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Oct 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Sep 30, 1996 · Amount on Record
Deed Document Number	2021119771
Deed Book / Page	65917 / 72
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Recording Date	Sep 22, 2026
Property Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Document Number	0000083105
Book / Page	74200 / 390
Instrument Date	Sep 17, 2026
Instrument	202683105
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747

Mortgage

Document Number	0000083105,
Date	Sep 22, 2026
Book Page	74200/390
Instrument	202683105

Lender

Name	CLINTON SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069136-295
Date	May 16, 2023
Book Page	69136/295
Instrument	37457

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Aug 26, 2021
Property Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Document Number	65917-72
Book / Page	65917 / 72
Instrument Date	Aug 26, 2021
Instrument	119771
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	57 HEMLOCK LN, LANCASTER, MA 01523

Mortgage

Document Number	119772
Date	Aug 26, 2021
Instrument	119772

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64768-194
Date	Mar 25, 2021
Book Page	64768/194
Instrument	41043

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	57 HEMLOCK LN, LANCASTER, MA 01523-1747
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63483-373
Date	Oct 14, 2020
Book Page	63483/373
Instrument	121405

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

Source: Worcester County and Lancaster Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Lancaster Town
Unified School District	Nashoba School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,703.00 (+6.61%)	$662,300 (+13.41%) Land $161,700 Building $500,600	$813,295 (+11.53%)
2024			$729,220
2023	$10,039.00	$584,000 Land $142,700 Building $441,300

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	4 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	Direct burnable vegetation

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	LANCASTER WATER DEPARTMENT serves 6,000 people · EPA ID MA2147000
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	17 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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