35 Cross St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 35 Cross St, Lawrence, MA 01841

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,930 sqft · built 1910
Lot Size	0.145 acres (6,324 sqft)
Owner	Individual Name on File
Tax Bill	$6,261 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`168 0000 0081 A`

Property Details

APN / Parcel Number

Primary APN	`168 0000 0081 A`
Alternative APN	`LAWR M:0168 B:0000 L:0081`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,930 sqft Living Area
Gross Area	5,179 sqft
Basement Area	1,377 sqft
Unfinished Basement	1,377 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,324 sqft (0.145 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	168 0000 0081 A
Street Address	35 CROSS ST
City	LAWRENCE
State	MA
Zip	01841-3620
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Lot Number	81
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2005
Census Tract	251100

Owner

35 Cross St, a duplex, is owned and occupied by an individual who acquired it in May 2006.

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	35 CROSS ST, LAWRENCE, MA 01841-3620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 20, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2006
Deed Sale	May 12, 2006
Prior Sale	Mar 10, 2005
Deed Document Number	200615736
Deed Book / Page	10176 / 330
Transfer Doc	10243-329
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	35 CROSS ST, LAWRENCE, MA 01841-3620
Document Number	0000016424
Book / Page	18695 / 74
Instrument Date	Sep 3, 2026
Instrument	202616424
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 CROSS ST, LAWRENCE, MA 01841-3620

Mortgage

Document Number	0000016424,
Date	Sep 18, 2026
Book Page	18695/74
Instrument	202616424

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	35 CROSS ST, LAWRENCE, MA 01841-3620
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17138-324
Date	Sep 20, 2021
Book Page	17138/324
Instrument	31201

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 35 Cross St was $6,261, up 5.6% 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	$6,261.00 (+5.6%)	$724,700 (+7.55%) Land $120,300 Building $604,400	$761,793
2025	$5,929.00 (+10.84%)	$673,800 (+16.51%) Land $120,300 Building $553,500
2024	$5,349.00 (-5.91%)	$578,300 (+3.36%) Land $126,400 Building $451,900
2023	$5,685.00	$559,500 Land $122,000 Building $437,500

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

Flood

FEMA maps place 35 Cross 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
Nearby Flood Claims	1 (2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 35 Cross 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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