28 Packard St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 28 Packard St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1965
Lot Size	0.191 acres (8,339 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Aug 2018)
Tax Bill	$3,884 (2026)
Deeds & Mortgages	Sep 2023 Refinance Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`182 0000 0003 A`

Property Details

APN / Parcel Number

Primary APN	`182 0000 0003 A`
Alternative APN	`LAWR M:0182 B:0000 L:0003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,384 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,339 sqft (0.191 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	182 0000 0003 A
Street Address	28 PACKARD ST
City	LAWRENCE
State	MA
Zip	01843-1131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	3
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	4
Census Block	4010
Census Tract	251500

Owner

28 Packard St is owned and occupied by an individual who bought it in August 2018.

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 File
Mailing Address	28 PACKARD ST, LAWRENCE, MA 01843-1131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY TEAMWORK, INC
Apr 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 16, 2018	Deed of Trust, Mortgage LAWRENCE, CITY OF

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2018 · Amount on File
Deed Sale	Aug 16, 2018 · Amount on File
Prior Sale	Oct 29, 2014 · Amount on File
Transfer Doc	0000118539
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	28 PACKARD ST, LAWRENCE, MA 01843-1131
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129087
Date	Sep 11, 2023
Instrument	129087

Lender

Name	COMMUNITY TEAMWORK, INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	601 Months
Due	Oct 1, 2073

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	28 PACKARD ST, LAWRENCE, MA 01843-1131
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128551
Date	Apr 6, 2023
Instrument	128551

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	28 PACKARD ST, LAWRENCE, MA 01843-1131
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000129285
Date	Nov 6, 2023
Instrument	129285

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	28 PACKARD ST, LAWRENCE, MA 01843-1131
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000118541
Date	Aug 16, 2018
Instrument	118541

Lender

Name	LAWRENCE, CITY OF

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Packard St was $3,884, up 6.8% 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	$3,884.00 (+6.76%)	$449,500 (+8.73%) Land $209,600 Building $239,900	$529,846 (+21.3%)
2025	$3,638.00 (+9.05%)	$413,400 (+14.64%) Land $173,500 Building $239,900	$436,810
2024	$3,336.00 (-5.04%)	$360,600 (+4.28%) Land $137,800 Building $222,800
2023	$3,513.00	$345,800 Land $137,800 Building $208,000

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

Flood

FEMA maps place 28 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 28 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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