34 Exchange St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 34 Exchange St, Lawrence, MA 01841

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,880 sqft · built 1900
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Mar 2013)
Tax Bill	$5,185 (2026)
Deeds & Mortgages	May 2022 Refinance Jun 2022 Refinance
Flood Zone	Zone X (moderate risk)
APN	`170 0000 0039 A`

Property Details

APN / Parcel Number

Primary APN	`170 0000 0039 A`
Alternative APN	`LAWR M:0170 B:0000 L:0039`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,880 sqft Living Area
Gross Area	3,960 sqft
Basement Area	940 sqft
Unfinished Basement	940 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	170 0000 0039 A
Street Address	34 EXCHANGE ST
City	LAWRENCE
State	MA
Zip	01841-3148
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Subdivision	DONEGAL ROAD
Legal Lot Number	39
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2009
Census Tract	250400

Owner

34 Exchange St, a duplex, is owned and occupied by an individual who bought it in March 2013.

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

Owner of Record	Individual Name on File
Mailing Address	34 EXCHANGE ST, LAWRENCE, MA 01841-3148
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
May 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP
Jun 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2013 · Amount on File
Deed Sale	Mar 13, 2013 · Amount on File
Prior Sale	Feb 20, 2001 · Amount on File
Deed Book / Page	13384 / 271
Transfer Doc	013384-271
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	34 EXCHANGE ST, LAWRENCE, MA 01841-3148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017458-218
Date	May 27, 2022
Book Page	17458/218
Instrument	12698

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	34 EXCHANGE ST, LAWRENCE, MA 01841-3148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017482-154
Date	Jun 21, 2022
Book Page	17482/154
Instrument	14655

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 34 Exchange St was $5,185, up 5.2% 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	$5,185.00 (+5.19%)	$600,100 (+7.14%) Land $120,800 Building $479,300	$620,602
2025	$4,929.00 (+10.86%)	$560,100 (+16.54%) Land $120,800 Building $439,300
2024	$4,446.00 (-5.9%)	$480,600 (+3.33%) Land $126,800 Building $353,800
2023	$4,725.00	$465,100 Land $122,500 Building $342,600

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

Flood

FEMA maps place 34 Exchange St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	67 (1984–2020)
Claims Outside the SFHA	13 of 67
Most Recent Claim	Jul 2020 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 7 claims Severe Storms And Flooding, May 2006 · 30 claims Severe Storms & Flooding, Apr 1987 · 7 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

The area around 34 Exchange 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 744 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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