21 Stevens Ave, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 21 Stevens Ave, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,448 sqft · built 1955
Lot Size	0.237 acres (10,314 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Sep 2020)
Tax Bill	$4,966 (2026)
Deeds & Mortgages	Sep 2026 Second Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`95 0000 0022 A`

Property Details

APN / Parcel Number

Primary APN	`95 0000 0022 A`
Alternative APN	`LAWR M:0095 B:0000 L:0022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
Gross Area	3,112 sqft
Basement Area	1,288 sqft
Unfinished Basement	1,288 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,314 sqft (0.237 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	95 0000 0022 A
Street Address	21 STEVENS AVE
City	LAWRENCE
State	MA
Zip	01843-3625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	22
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3008
Census Tract	251800

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	Individual Name on Record
Mailing Address	21 STEVENS AVE, LAWRENCE, MA 01843-3625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COOPERATIVE BANK
Sep 28, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2020 · Amount on Record
Deed Sale	Sep 28, 2020 · Amount on Record
Prior Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	202026021
Deed Book / Page	16515 / 257
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	16515-257
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Recording Date	Sep 18, 2026
Property Address	21 STEVENS AVE, LAWRENCE, MA 01843-3625
Document Number	0000016430
Book / Page	18695 / 97
Instrument Date	Sep 15, 2026
Instrument	202616430
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 STEVENS AVE, LAWRENCE, MA 01843-3625

Mortgage

Document Number	0000016430,
Date	Sep 18, 2026
Book Page	18695/97
Instrument	202616430

Lender

Name	COOPERATIVE BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Sep 28, 2020
Property Address	21 STEVENS AVE, LAWRENCE, MA 01843-3625
Document Number	16515-257
Book / Page	16515 / 257
Instrument Date	Sep 11, 2020
Instrument	26021
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	21 STEVENS AVE, LAWRENCE, MA 01843-3625

Mortgage

Document Number	26022
Date	Sep 28, 2020
Instrument	26022

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,966.00 (+2.67%)	$574,800 (+4.57%) Land $219,100 Building $355,700	$609,150 (+37.66%)
2025	$4,837.00 (+7.01%)	$549,700 (+12.48%) Land $194,000 Building $355,700	$442,510
2024	$4,520.00 (-3.07%)	$488,700 (+6.47%) Land $163,700 Building $325,000
2023	$4,663.00	$459,000 Land $145,900 Building $313,100

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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