20 Ayer Rd, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 20 Ayer Rd, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,104 sqft · built 1973
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$510,000 (Aug 2022)
Tax Bill	$3,797 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95 0000 0035 A`

Property Details

APN / Parcel Number

Primary APN	`95 0000 0035 A`
Alternative APN	`LAWR M:0095 B:0000 L:0035`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	2,160 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	95 0000 0035 A
Street Address	20 AYER RD
City	LAWRENCE
State	MA
Zip	01843-3410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PLAN 37155A
Legal Lot Number	35
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3007
Census Tract	251800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	20 AYER RD, LAWRENCE, MA 01843-3410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Nov 16, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2022 · Amount on Record
Deed Sale	Aug 11, 2022 · Amount on Record
Prior Sale	Nov 16, 2017 · Amount on Record
Transfer Doc	114539
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Aug 11, 2022
Property Address	20 AYER RD, LAWRENCE, MA 01843-3410
Document Number	0000127627
Instrument Date	Aug 10, 2022
Instrument	127627
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Tenants by the Entirety
Address	20 AYER RD, LAWRENCE, MA 01843-3410

Mortgage

Document Number	0000127628
Date	Aug 11, 2022
Instrument	127628

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Nov 16, 2017
Property Address	20 AYER RD, LAWRENCE, MA 01843-3410
Document Number	0000000038
Instrument Date	Nov 16, 2017
Instrument	38
Transaction Type	Transfer
Record Updated	Mar 13, 2019

Transaction

Amount	Amount Recorded
Tax	$1,185.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	485 ANDOVER ST LAWRENCE MA 018432107, LAWRENCE, MA 01843-2107

Mortgage

Document Number	39
Date	Nov 16, 2017
Instrument	39

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

Mortgage

Document Number	118096,
Date	Nov 16, 2017
Instrument	118096

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2047

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
2025	$3,797.00 (+7.11%)	$431,500 (+12.6%) Land $156,500 Building $275,000	$528,770
2024	$3,545.00 (-3.01%)	$383,200 (+6.53%) Land $132,100 Building $251,100
2023	$3,655.00	$359,700 Land $117,800 Building $241,900

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

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 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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