Essex County and Lawrence City property record for 120 E Cambridge St, Lawrence, MA 01843
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 944 sqft · built 1945 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Aug 2019) |
| Tax Bill | $3,554 (2026) |
| Deeds & Mortgages | May 2022 Refinance Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 61 0000 0068 A |
| Primary APN | 61 0000 0068 A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 944 sqft Living Area |
| Gross Area | 2,384 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 61 0000 0068 A |
|---|---|
| Street Address | 120 E CAMBRIDGE ST |
| City | LAWRENCE |
| State | MA |
| Zip | 01843-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Lot Number | 68 |
| Jurisdiction | LAWRENCE MA |
| Township / Civil Division | LAWRENCE |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 251700 |
Source: Essex County and Lawrence City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| May 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Oct 31, 2025 | Quit Claim Deed, Transfer AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Aug 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 19, 2019 | Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on Record |
| Deed Sale | Aug 19, 2019 · Amount on Record |
| Prior Sale | Apr 29, 2009 · Amount on Record |
| Deed Document Number | 2019688 |
| Deed Book / Page | 15962 / 60 |
| Last Transfer Date | Oct 29, 2025 |
| Transfer Doc | 018426-104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 017457-188 |
|---|---|
| Date | May 27, 2022 |
| Book Page | 17457/188 |
| Instrument | 12606 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Recording Date | Oct 31, 2025 |
| Property Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Document Number | 018426-104 |
| Book / Page | 18426 / 104 |
| Instrument Date | Oct 29, 2025 |
| Instrument | 19122 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Document Number | 0000019123 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 19123 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16463-108 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 16463/108 |
| Instrument | 22357 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Recording Date | Aug 19, 2019 |
| Property Address | 120 E CAMBRIDGE ST, LAWRENCE, MA 01843-2314 |
| Document Number | 15962-60 |
| Book / Page | 015962 / 000060 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 688 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,048.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 415 LOWELL ST #1STFLOOR LAWRENCE MA 018414647, 1STFLO, LAWRENCE, MA 01841-4647 |
| Document Number | 15962-62 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 015962/000062 |
| Instrument | 689 |
| Name | MORTGAGE EQUITY PTRS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 18, 2049 |
Source: Essex County and Lawrence City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lawrence City |
| Unified School District | Lawrence School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,554.00 (+5.99%) | $411,400 (+7.98%) Land $133,800 Building $277,600 | $441,950 (+27.56%) |
| 2025 | $3,353.00 (+4.65%) | $381,000 (+9.99%) Land $103,400 Building $277,600 | $346,465 |
| 2024 | $3,204.00 (-6.01%) | $346,400 (+3.25%) Land $111,900 Building $234,500 | |
| 2023 | $3,409.00 | $335,500 Land $103,800 Building $231,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 10 (1987–2010) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 179 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 |
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