18 Cutler St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 18 Cutler St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,280 sqft · built 1969
Lot Size	0.24 acres (10,462 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Oct 2017)
Tax Bill	$4,609 (2026)
Deeds & Mortgages	Jul 2020 Refinance Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`57 0000 0041 A`

Property Details

APN / Parcel Number

Primary APN	`57 0000 0041 A`
Alternative APN	`LAWR M:0057 B:0000 L:0041`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
Gross Area	3,016 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,462 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	57 0000 0041 A
Street Address	18 CUTLER ST
City	LAWRENCE
State	MA
Zip	01843-3734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	41
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1022
Census Tract	251700

Owner

18 Cutler St is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	18 CUTLER ST, LAWRENCE, MA 01843-3734
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
Jul 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Oct 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2017 · Amount on File
Deed Sale	Oct 13, 2017 · Amount on File
Prior Sale	Nov 30, 2006 · Amount on File
Deed Document Number	201726921
Deed Book / Page	15260 / 27
Transfer Doc	15260-27
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	18 CUTLER ST, LAWRENCE, MA 01843-3734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16415-324
Date	Jul 28, 2020
Book Page	16415/324
Instrument	19064

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Oct 13, 2017
Property Address	18 CUTLER ST, LAWRENCE, MA 01843-3734
Document Number	15260-27
Book / Page	015260 / 000027
Instrument Date	Oct 12, 2017
Instrument	26921
Transaction Type	Transfer
Record Updated	Oct 31, 2017

Transaction

Amount	Amount on Record
Tax	$1,573.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 CUTLER ST LAWRENCE MA 018433734, LAWRENCE, MA 01843-3734

Tax Assessment & Valuation

The 2026 property tax bill for 18 Cutler St was $4,609, up 4.3% 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	$4,609.00 (+4.32%)	$533,400 (+6.25%) Land $196,000 Building $337,400	$572,840 (+15.27%)
2025	$4,418.00 (+6.95%)	$502,000 (+12.4%) Land $164,600 Building $337,400	$496,945
2024	$4,131.00 (-5.12%)	$446,600 (+4.22%) Land $144,100 Building $302,500
2023	$4,354.00	$428,500 Land $144,100 Building $284,400

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

Flood

FEMA maps place 18 Cutler St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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	3 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Dec 2023 · river or lake flooding

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 18 Cutler St 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 510 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: T-Mobile.

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