12 Temple St, #14, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 12 Temple St, #14, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,000 sqft · built 1920
Lot Size	0.076 acres (3,315 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Apr 2013)
Tax Bill	$6,716 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2019 Refinance
Flood Zone	Zone X (moderate risk)
APN	`45 0000 0026 A`

Property Details

APN / Parcel Number

Primary APN	`45 0000 0026 A`
Alternative APN	`LAWR M:0045 B:0000 L:0026`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Building Area	2,000 sqft Living Area
Gross Area	2,942 sqft
Basement Area	922 sqft
Unfinished Basement	922 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	3,315 sqft (0.076 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	45 0000 0026 A
Street Address	12 TEMPLE ST, 14
City	LAWRENCE
State	MA
Zip	01843-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	I2
Legal Lot Number	26
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1014
Census Tract	251600

Owner

12 Temple St, #14 is owned and occupied by an individual who bought it in April 2013.

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

Owner of Record	Individual Name on File
Mailing Address	12 TEMPLE ST, 14, LAWRENCE, MA 01843-1739
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
Nov 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP
Nov 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2013 · Amount on File
Deed Sale	Apr 1, 2013 · Amount on File
Prior Sale	Jul 1, 2009 · Amount on File
Deed Book / Page	13407 / 207
Transfer Doc	013407-207
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	12 TEMPLE ST # 14, 14, LAWRENCE, MA 01843-1739
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017236-220
Date	Nov 18, 2021
Book Page	17236/220
Instrument	38037

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	12-14 TEMPLE ST, LAWRENCE, MA 01843
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16069-146
Date	Nov 5, 2019
Book Page	16069/146
Instrument	27848

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 12 Temple St, #14 was $6,716, up 9.8% 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
2026	$6,716.00 (+9.79%)	$777,300 (+11.83%) Land $117,600 Building $659,700
2025	$6,117.00 (+4.53%)	$695,100 (+9.86%) Land $90,900 Building $604,200
2024	$5,852.00 (+5.14%)	$632,700 (+15.5%) Land $98,400 Building $534,300
2023	$5,566.00	$547,800 Land $91,300 Building $456,500

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

Flood

FEMA maps place 12 Temple St, #14 in Zone X, an area of moderate flood risk, though there have been 22 flood claims nearby since 1996.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	22 (1996–2020)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Jul 2020 · other causes
Claims by Event	Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims Severe Storms And Flooding, May 2006 · 14 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

The area around 12 Temple St, #14 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 442 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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