103 Summer St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 103 Summer St, Lawrence, MA 01840

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,929 sqft · built 1900
Lot Size	0.074 acres (3,204 sqft)
Owner	Individual Name on Record
Last Sale	$298,000 (Apr 2015)
Tax Bill	$6,215 (2026)
Deeds & Mortgages	Aug 2022 Transfer May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`107 0000 0038 A`

Property Details

APN / Parcel Number

Primary APN	`107 0000 0038 A`
Alternative APN	`LAWR M:0107 B:0000 L:0038`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	3 Stories
Building Area	2,929 sqft Living Area
Gross Area	5,129 sqft
Basement Area	1,177 sqft
Unfinished Basement	1,177 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,204 sqft (0.074 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	107 0000 0038 A
Street Address	103 SUMMER ST
City	LAWRENCE
State	MA
Zip	01840-1659
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R3
Legal Lot Number	38
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1017
Census Tract	251000

Owner

Source: Essex County and Lawrence City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 SUMMER ST, LAWRENCE, MA 01840-1659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Quit Claim Deed, Transfer Quitclaim
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HOME BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2015 · Amount on Record
Deed Sale	Apr 30, 2015 · Amount on Record
Prior Sale	Aug 23, 2011 · Amount on Record
Deed Document Number	20159849
Deed Book / Page	14211 / 225
Last Transfer Date	Aug 1, 2022
Transfer Doc	017526-314
Record Updated	Oct 29, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Aug 1, 2022
Property Address	103 SUMMER ST, LAWRENCE, MA 01840-1659
Document Number	017526-314
Book / Page	17526 / 314
Instrument Date	Aug 1, 2022
Instrument	18353
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUMMER ST, LAWRENCE, MA 01840-1659

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	103 SUMMER ST, LAWRENCE, MA 01840-1659
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16938-96
Date	May 19, 2021
Book Page	16938/96
Instrument	16759

Lender

Name	FIRST HOME BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Essex County and Lawrence City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lawrence City
Unified School District	Lawrence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,215.00 (+5.9%)	$719,300 (+7.86%) Land $97,500 Building $621,800
2025	$5,869.00 (+7.24%)	$666,900 (+12.71%) Land $97,500 Building $569,400
2024	$5,473.00 (-3.27%)	$591,700 (+6.25%) Land $102,400 Building $489,300
2023	$5,658.00	$556,900 Land $98,900 Building $458,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · 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	22 units insured incl. 18 condo units
Nearby Flood Claims	6 (1987–2022)
Most Recent Claim	Feb 2022 · other causes
Claims by Event	Severe Storms & Flooding, Apr 1987 · 3 claims

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	Not rated no burnable land within 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	LAWRENCE WATER WORKS serves 89,143 people · EPA ID MA3149000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2016
Monitoring and Reporting	1 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 468 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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