120 Gilbert St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 120 Gilbert St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1948
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2018)
Tax Bill	$4,432 (2026)
Deeds & Mortgages	Dec 2019 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`94 0000 0051 A`

Property Details

APN / Parcel Number

Primary APN	`94 0000 0051 A`
Alternative APN	`LAWR M:0094 B:0000 L:0051`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
Gross Area	2,375 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	94 0000 0051 A
Street Address	120 GILBERT ST
City	LAWRENCE
State	MA
Zip	01843-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	51
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3012
Census Tract	251800

Owner

120 Gilbert St is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	120 GILBERT ST, LAWRENCE, MA 01843-3636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 31, 2019	Deed of Trust, Mortgage · FHA Mortgage NEW ENGLAND REGIONAL MORTGAGE CORP
May 17, 2018	Quit Claim Deed, Transfer · FHA Mortgage NE REGIONAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2018 · Amount on File
Deed Sale	May 17, 2018 · Amount on File
Deed Book / Page	15482 / 76
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	120 GILBERT ST, LAWRENCE, MA 01843-3636
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16140-217
Date	Dec 31, 2019
Book Page	16140/217
Instrument	33690

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	May 17, 2018
Property Address	120 GILBERT ST, LAWRENCE, MA 01843-3636
Document Number	15482-76
Book / Page	15482 / 76
Instrument	11208
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	$34.35
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 GILBERT ST, LAWRENCE, MA 01843-3636

Mortgage

Document Number	154820078
Date	May 17, 2018
Instrument	15482/0078

Lender

Name	NE REGIONAL MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 120 Gilbert St was $4,432, up 2.5% 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	$4,432.00 (+2.55%)	$513,000 (+4.46%) Land $191,500 Building $321,500	$562,997 (+12.77%)
2025	$4,322.00 (+8.78%)	$491,100 (+14.34%) Land $169,600 Building $321,500	$499,225
2024	$3,973.00 (-3.36%)	$429,500 (+6.15%) Land $143,100 Building $286,400
2023	$4,111.00	$404,600 Land $127,600 Building $277,000

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

Flood

FEMA maps place 120 Gilbert St in Zone X, an area of minimal flood risk.

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	1 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 120 Gilbert St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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