3 Monroe St, Lawrence, MA 01843 Property Records

Essex County and Lawrence City property record for 3 Monroe St, Lawrence, MA 01843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1961
Lot Size	0.178 acres (7,740 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Apr 2018)
Tax Bill	$4,114 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`157 0000 0072 A`

Property Details

APN / Parcel Number

Primary APN	`157 0000 0072 A`
Alternative APN	`LAWR M:0157 B:0000 L:0072`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,328 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,740 sqft (0.178 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	157 0000 0072 A
Street Address	3 MONROE ST
City	LAWRENCE
State	MA
Zip	01843-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	MOUNT VERNON PARK
Legal Lot Number	72
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	4
Census Block	4001
Census Tract	251800

Owner

3 Monroe St is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3 MONROE ST, LAWRENCE, MA 01843-2421
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
Nov 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Sep 19, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK
Jan 7, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Aug 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Mar 10, 2021	Redemption Deed, Transfer
Jan 22, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 13, 2018	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2018 · Amount on File
Deed Sale	Apr 13, 2018 · Amount on File
Prior Sale	Nov 23, 2011 · Amount on File
Deed Book / Page	15447 / 322
Last Transfer Date	Mar 8, 2021
Transfer Doc	16814-191
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018452-174
Date	Nov 28, 2025
Book Page	18452/174
Instrument	21080

Lender

Name	LOWER LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017836-277
Date	Sep 19, 2023
Book Page	17836/277
Instrument	15427

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018188-231
Date	Jan 7, 2025
Book Page	18188/231

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017097-207
Date	Aug 25, 2021
Book Page	17097/207
Instrument	28370

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17097-207
Date	Aug 25, 2021
Book Page	17097/207
Instrument	28370

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2021: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	LAWRENCE MA
Recording Date	Mar 10, 2021
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Document Number	16814-191
Book / Page	16814 / 191
Instrument Date	Mar 8, 2021
Instrument	8107
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15739-25
Date	Jan 22, 2019
Book Page	15739/25
Instrument	1350

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Apr 13, 2018
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Document Number	15447-322
Book / Page	15447 / 322
Instrument	8423
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MONROE ST, LAWRENCE, MA 01843-2421

Mortgage

Document Number	154470324
Date	Apr 13, 2018
Instrument	15447/0324

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2048

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	3 MONROE ST, LAWRENCE, MA 01843-2421
Document Number	15226-119
Book / Page	015226 / 000119
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15226-119
Date	Sep 18, 2017
Book Page	015226/000119
Instrument	24124

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 17, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 3 Monroe St was $4,114, up 3% 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	$4,114.00 (+3.03%)	$476,200 (+4.96%) Land $196,700 Building $279,500	$550,826 (+20.37%)
2025	$3,993.00 (+7.66%)	$453,700 (+13.14%) Land $174,200 Building $279,500	$457,615
2024	$3,709.00 (-2.6%)	$401,000 (+6.99%) Land $147,100 Building $253,900
2023	$3,808.00	$374,800 Land $147,100 Building $227,700

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

Flood

FEMA maps place 3 Monroe St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1990.

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
Nearby Flood Claims	6 (1990–2014)
Most Recent Claim	Mar 2014 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 3 Monroe 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 804 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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