246 Prospect St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 246 Prospect St, Lawrence, MA 01841

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,076 sqft · built 1890
Lot Size	0.105 acres (4,571 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Jul 2024)
Tax Bill	$3,192 (2026)
Deeds & Mortgages	Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90 0000 0002 A`

Property Details

APN / Parcel Number

Primary APN	`90 0000 0002 A`
Alternative APN	`LAWR M:0090 B:0000 L:0002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,076 sqft Living Area
Gross Area	1,916 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,571 sqft (0.105 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	90 0000 0002 A
Street Address	246 PROSPECT ST
City	LAWRENCE
State	MA
Zip	01841-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B2
Legal Lot Number	2
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1008
Census Tract	250700

Owner

246 Prospect St is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	246 PROSPECT ST, LAWRENCE, MA 01841-2832
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2024 · Amount on File
Deed Sale	Jul 10, 2024 · Amount on File
Prior Sale	Nov 15, 2002 · Amount on File
Deed Document Number	202411191
Deed Book / Page	18037 / 258
Record Updated	Oct 29, 2026

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	LAWRENCE MA
Recording Date	Jul 10, 2024
Property Address	246 PROSPECT ST, LAWRENCE, MA 01841-2832
Document Number	018037-258
Book / Page	18037 / 258
Instrument Date	Jul 10, 2024
Instrument	11191
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount 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	246 PROSPECT ST, LAWRENCE, MA 01841-2832

Mortgage

Document Number	0000011192
Date	Jul 10, 2024
Instrument	11192

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	018037-284
Date	Jul 10, 2024
Book Page	18037/284
Instrument	11193

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 246 Prospect St was $3,192, up 0.7% 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	$3,192.00 (+0.66%)	$369,500 (+2.55%) Land $108,500 Building $261,000	$426,656 (+19%)
2025	$3,171.00 (+2.46%)	$360,300 (+7.68%) Land $108,500 Building $251,800	$358,530
2024	$3,095.00 (-5.64%)	$334,600 (+3.66%) Land $132,400 Building $202,200
2023	$3,280.00	$322,800 Land $127,900 Building $194,900

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

Flood

FEMA maps place 246 Prospect 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	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

Wildfire risk around 246 Prospect St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 829 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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