82 Hemlock Ln, Lancaster, MA 01523 Property Records

Worcester County and Lancaster Town property record for 82 Hemlock Ln, Lancaster, MA 01523

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,128 sqft · built 1996
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on File
Last Sale	$492,500 (Sep 2019)
Tax Bill	$11,306 (2025)
Deeds & Mortgages	Mar 2021 Refinance May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`LANC M:044.0 B:0000 L:0044.E`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	82 HEMLOCK LN
City	LANCASTER
State	MA
Zip	01523-1748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	44.E
Jurisdiction	LANCASTER MA
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3017
Census Tract	713100

Owner

82 Hemlock Ln is owned and occupied by two individuals who bought it in September 2019.

Source: Worcester County and Lancaster Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	82 HEMLOCK LN, LANCASTER, MA 01523-1748
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ONE AMERICAN MORTGAGE
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK
Sep 3, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on File
Deed Sale	Sep 3, 2019 · Amount on File
Prior Sale	Nov 26, 1996 · Amount on File
Deed Document Number	201989865
Deed Book / Page	60990 / 151
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	60990-151
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	82 HEMLOCK LN, LANCASTER, MA 01523-1748
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64574-261
Date	Mar 1, 2021
Book Page	64574/261
Instrument	28320

Lender

Name	ONE AMERICAN MORTGAGE

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER MA
Property Address	82 HEMLOCK LN, LANCASTER, MA 01523-1748
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62369-172
Date	May 11, 2020
Book Page	62369/172
Instrument	47511

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER MA
Recording Date	Sep 3, 2019
Property Address	82 HEMLOCK LN, LANCASTER, MA 01523-1748
Document Number	60990-151
Book / Page	60990 / 151
Instrument Date	Aug 20, 2019
Instrument	89865
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	$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
Address	82 HEMLOCK LN, LANCASTER, MA 01523-1748

Mortgage

Document Number	89866
Date	Sep 3, 2019
Instrument	89866

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 82 Hemlock Ln was $11,306.

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	$11,306.00	$699,600 Land $161,600 Building $538,000	$764,845 (+15.94%)
2024			$659,680
2023	$10,531.00	$612,600 Land $142,600 Building $470,000

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

Flood

FEMA maps place 82 Hemlock Ln 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	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

Wildfire risk around 82 Hemlock Ln 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	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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