12 Center St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 12 Center St, Lawrence, MA 01841

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,077 sqft · built 1910
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on File
Last Sale	$27,000 (Jun 1996)
Tax Bill	$2,970 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`172 0000 0086 A`

Property Details

APN / Parcel Number

Primary APN	`172 0000 0086 A`
Alternative APN	`LAWR M:0172 B:0000 L:0086`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,077 sqft Living Area
Gross Area	2,148 sqft
Basement Area	681 sqft
Unfinished Basement	681 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,200 sqft (0.073 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	172 0000 0086 A
Street Address	12 CENTER ST
City	LAWRENCE
State	MA
Zip	01841-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	86
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1002
Census Tract	250500

Owner

12 Center St is owned and occupied by an individual who bought it in June 1996.

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

Owner of Record	Individual Name on File
Mailing Address	12 CENTER ST, LAWRENCE, MA 01841-1038
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
Apr 6, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 5, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 1996 · Amount on File
Deed Sale	Jun 21, 1996 · Amount on File
Deed Book / Page	4529 / 53
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	12 CENTER ST, LAWRENCE, MA 01841-1038
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017405-103
Date	Apr 6, 2022
Book Page	17405/103
Instrument	8508

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	12 CENTER ST, LAWRENCE, MA 01841-1038
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16804-244
Date	Mar 5, 2021
Book Page	16804/244
Instrument	7498

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12 Center St was $2,970, up 0.7% from the year before.

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	Assessed Market Value
2026	$2,970.00 (+0.75%)	$343,800 (+2.63%) Land $97,500 Building $246,300	$403,400 (+12.49%)
2025	$2,948.00 (+2.36%)	$335,000 (+7.58%) Land $97,500 Building $237,500	$358,625
2024	$2,880.00 (+14.88%)	$311,400 (+26.18%) Land $102,400 Building $209,000
2023	$2,507.00	$246,800 Land $98,900 Building $147,900

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

Flood

FEMA maps place 12 Center St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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 Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & Flooding

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

The area around 12 Center St has no burnable land within ember reach, so its wildfire risk is not rated.

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 1,006 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

May also be available: AT&T, T-Mobile.

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