21 Packard St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 21 Packard St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1955
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$323,000 (Nov 2019)
Tax Bill	$4,142 (2026)
Deeds & Mortgages	Feb 2017 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`182 0000 0005 A`

Property Details

APN / Parcel Number

Primary APN	`182 0000 0005 A`
Alternative APN	`LAWR M:0182 B:0000 L:0005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,328 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,000 sqft (0.184 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	182 0000 0005 A
Street Address	21 PACKARD ST
City	LAWRENCE
State	MA
Zip	01843-1129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	RIVERSIDE PARK
Legal Lot Number	5
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	4
Census Block	4011
Census Tract	251500

Owner

21 Packard St is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	21 PACKARD ST, LAWRENCE, MA 01843-1129
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 28, 2017	Deed of Trust, Mortgage CITIZENS BANK
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage MSA LENDING LLC
Nov 21, 2019	Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Prior Sale	Jun 1, 1998 · Amount on File
Deed Document Number	201929399
Deed Book / Page	16089 / 94
Prior Transfer Date	Nov 12, 2019
Prior Transfer Doc	16089-94
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	21 PACKARD ST, LAWRENCE, MA 01843-1129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15000-305
Date	Feb 28, 2017
Book Page	15000/305
Instrument	5257

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	21 PACKARD ST, LAWRENCE, MA 01843-1129
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16680-295
Date	Dec 28, 2020
Book Page	16680/295
Instrument	37428

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Nov 21, 2019
Property Address	21 PACKARD ST, LAWRENCE, MA 01843-1129
Document Number	16089-94
Book / Page	016089 / 000094
Instrument Date	Nov 12, 2019
Instrument	29399
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,472.88
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PACKARD ST LAWRENCE MA 018431129, LAWRENCE, MA 01843-1129

Mortgage

Document Number	16089-96
Date	Nov 21, 2019
Book Page	016089/000096
Instrument	29400

Lender

Name	EVOLVE BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 21 Packard St was $4,142, up 6% 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	$4,142.00 (+6.04%)	$479,400 (+8%) Land $206,200 Building $273,200	$542,729 (+21.58%)
2025	$3,906.00 (+10.09%)	$443,900 (+15.72%) Land $170,700 Building $273,200	$446,405
2024	$3,548.00 (-5.24%)	$383,600 (+4.1%) Land $135,700 Building $247,900
2023	$3,744.00	$368,500 Land $135,700 Building $232,800

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

Flood

FEMA maps place 21 Packard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Policies	2 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

The area around 21 Packard 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 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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