20 Texas Ave, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 20 Texas Ave, Lawrence, MA 01841

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,368 sqft · built 1960
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Oct 2018)
Tax Bill	$4,196 (2026)
Deeds & Mortgages	Oct 2024 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`205 0000 0094 A`

Property Details

APN / Parcel Number

Primary APN	`205 0000 0094 A`
Alternative APN	`LAWR M:0205 B:0000 L:0094`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	2,607 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,500 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	205 0000 0094 A
Street Address	20 TEXAS AVE
City	LAWRENCE
State	MA
Zip	01841-4925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	94
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3008
Census Tract	251400

Owner

20 Texas Ave is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	20 TEXAS AVE, LAWRENCE, MA 01841-4925
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
Oct 15, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 31, 2018	Quit Claim Deed, Transfer · Conventional with PMI CITIZENS BK/RI
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2018 · Amount on File
Deed Sale	Oct 31, 2018 · Amount on File
Prior Sale	Sep 4, 2008 · Amount on File
Deed Book / Page	15666 / 318
Transfer Doc	015666-318
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	20 TEXAS AVE, LAWRENCE, MA 01841-4925
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018115-315
Date	Oct 15, 2024
Book Page	18115/315
Instrument	17583

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Oct 31, 2018
Property Address	20 TEXAS AVE, LAWRENCE, MA 01841-4925
Document Number	15666-318
Book / Page	015666 / 000318
Instrument Date	Oct 31, 2018
Instrument	26675
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,321.94
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 TEXAS AVE LAWRENCE MA 018414925, LAWRENCE, MA 01841-4925

Mortgage

Document Number	15666-321
Date	Oct 31, 2018
Book Page	015666/000321
Instrument	26676

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 30, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	20 TEXAS AVE, LAWRENCE, MA 01841-4925
Document Number	15301-221
Book / Page	015301 / 000221
Instrument Date	Nov 13, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	15301-221
Date	Nov 20, 2017
Book Page	015301/000221
Instrument	30305

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20 Texas Ave was $4,196, up 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	$4,196.00 (+4.95%)	$485,600 (+6.89%) Land $156,400 Building $329,200	$518,233 (+29.48%)
2025	$3,998.00 (+4.33%)	$454,300 (+9.65%) Land $125,100 Building $329,200	$400,235
2024	$3,832.00 (-1.11%)	$414,300 (+8.63%) Land $120,900 Building $293,400
2023	$3,875.00	$381,400 Land $105,900 Building $275,500

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

Flood

FEMA maps place 20 Texas Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1988.

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 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

The area around 20 Texas Ave 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 785 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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