123 Genesee St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 123 Genesee St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,262 sqft · built 1935
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Jul 1990)
Tax Bill	$3,982 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`197 0000 0044 A`

Property Details

APN / Parcel Number

Primary APN	`197 0000 0044 A`
Alternative APN	`LAWR M:0197 B:0000 L:0044`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	2,270 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	197 0000 0044 A
Street Address	123 GENESEE ST
City	LAWRENCE
State	MA
Zip	01843-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	44
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	4
Census Block	4017
Census Tract	251800

Owner

Source: Essex County and Lawrence City records, as of October 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Apr 3, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 31, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Dec 16, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 1990 · Amount on Record
Deed Sale	Jul 27, 1990 · Amount on Record
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Recording Date	Sep 29, 2026
Property Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Document Number	0000017145
Book / Page	18704 / 33
Instrument Date	Sep 24, 2026
Instrument	202617145
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 GENESEE ST, LAWRENCE, MA 01843-1905

Mortgage

Document Number	0000017145,
Date	Sep 29, 2026
Book Page	18704/33
Instrument	202617145

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15037-165
Date	Apr 3, 2017
Book Page	15037/165
Instrument	8332

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15279-193
Date	Oct 31, 2017
Book Page	15279/193
Instrument	28420

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16121-198
Date	Dec 16, 2019
Book Page	16121/198
Instrument	31904

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	123 GENESEE ST, LAWRENCE, MA 01843-1905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16624-54
Date	Nov 25, 2020
Book Page	16624/54
Instrument	33561

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2048

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	Assessed Market Value
2026	$3,982.00 (+3.13%)	$460,900 (+5.06%) Land $194,300 Building $266,600	$515,265 (+2.18%)
2025	$3,861.00 (+6.22%)	$438,700 (+11.63%) Land $172,100 Building $266,600	$504,260
2024	$3,635.00 (-2.73%)	$393,000 (+6.85%) Land $145,300 Building $247,700
2023	$3,737.00	$367,800 Land $129,600 Building $238,200

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

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	1 in force
Nearby Flood Claims	6 (1990–2014)
Most Recent Claim	Mar 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 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 401 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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