18 Ames St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 18 Ames St, Lawrence, MA 01841

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,630 sqft · built 1925
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$547,000 (Dec 2025)
Tax Bill	$4,228 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`204 0000 0035 A`

Property Details

APN / Parcel Number

Primary APN	`204 0000 0035 A`
Alternative APN	`LAWR M:0204 B:0000 L:0035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
Gross Area	3,222 sqft
Basement Area	815 sqft
Unfinished Basement	815 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	204 0000 0035 A
Street Address	18 AMES ST
City	LAWRENCE
State	MA
Zip	01841-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	35
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3004
Census Tract	251400

Owner

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 File
Mailing Address	18 AMES ST, LAWRENCE, MA 01841-4902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Feb 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Dec 16, 2025	Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK
Oct 19, 2017	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2025 · Amount on File
Deed Sale	Dec 16, 2025 · Amount on File
Prior Sale	Dec 16, 2024 · Amount on File
Deed Document Number	202522310
Deed Book / Page	18468 / 131
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Recording Date	Apr 29, 2026
Property Address	18 AMES ST, LAWRENCE, MA 01841-4902
Document Number	0000132830
Instrument Date	Mar 28, 2026
Instrument	2026132830
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 AMES ST, LAWRENCE, MA 01841-4902
Investor	Possibly a Property Investor

Mortgage

Document Number	0000132830,
Date	Apr 29, 2026
Instrument	2026132830

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Recording Date	Apr 29, 2026
Property Address	18 AMES ST, LAWRENCE, MA 01841-4902
Document Number	018566-264
Book / Page	18566 / 264
Instrument Date	Mar 28, 2026
Instrument	20266452
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 AMES ST, LAWRENCE, MA 01841-4902
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006452,
Date	Apr 29, 2026
Book Page	18566/264
Instrument	20266452

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	5.98%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	18 AMES ST, LAWRENCE, MA 01841-4902
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017350-215
Date	Feb 18, 2022
Book Page	17350/215
Instrument	4348

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Dec 16, 2025
Property Address	18 AMES ST, LAWRENCE, MA 01841-4902
Document Number	018468-131
Book / Page	18468 / 131
Instrument Date	Dec 16, 2025
Instrument	22310
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 AMES ST, LAWRENCE, MA 01841-4902

Mortgage

Document Number	0000022311
Date	Dec 16, 2025
Instrument	22311

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	018468-148
Date	Dec 16, 2025
Book Page	18468/148
Instrument	22312

Lender

Name	MASSACHUSETTS HOUSING PARTNERSHIP FUND
Type	Government Agency

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	18 AMES ST, LAWRENCE, MA 01841-4902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15266-52
Date	Oct 19, 2017
Book Page	15266/52
Instrument	27416

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2032

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	$4,228.00 (+7.86%)	$489,400 (+9.85%) Land $160,700 Building $328,700	$530,522 (-1.72%)
2025	$3,920.00 (+5.26%)	$445,500 (+10.66%) Land $128,500 Building $317,000	$539,790
2024	$3,724.00 (+2.36%)	$402,600 (+12.43%) Land $124,300 Building $278,300
2023	$3,638.00	$358,100 Land $108,800 Building $249,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1988)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1988 · rainfall accumulation

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 276 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.

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