Essex County and Lawrence City property record for 407 Prospect St, #409, Lawrence, MA 01841
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 4 ba · 4,112 sqft · built 1920 |
| Lot Size | 0.237 acres (10,303 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Apr 2019) |
| Tax Bill | $7,750 (2026) |
| Deeds & Mortgages | May 2017 Line of Credit Jun 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 112 0000 0068 A |
| Primary APN | 112 0000 0068 A |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 4,112 sqft Living Area |
| Gross Area | 7,452 sqft |
| Basement Area | 2,344 sqft |
| Unfinished Basement | 2,344 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,303 sqft (0.237 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 112 0000 0068 A |
|---|---|
| Street Address | 407 PROSPECT ST, 409 |
| City | LAWRENCE |
| State | MA |
| Zip | 01841-2040 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Lot Number | 68 |
| Jurisdiction | LAWRENCE MA |
| Township / Civil Division | LAWRENCE |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 250600 |
407 Prospect St, #409 is owned and occupied by an individual who bought it in April 2019.
Source: Essex County and Lawrence City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 PROSPECT ST, 409, LAWRENCE, MA 01841-2040 |
| 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.
| Date | Document |
|---|---|
| May 9, 2017 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Jun 12, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2019 · Amount on File |
| Deed Sale | Apr 2, 2019 · Amount on File |
| Prior Sale | Dec 2, 1996 · Amount on File |
| Deed Document Number | 20196808 |
| Deed Book / Page | 15801 / 10 |
| Prior Transfer Date | Mar 29, 2019 |
| Prior Transfer Doc | 0015801-10 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 407-409 PROSPECT ST, LAWRENCE, MA 01841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15076-52 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 15076/52 |
| Instrument | 11454 |
| Name | SANTANDER BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 407-409 PROSPECT ST, LAWRENCE, MA 01841 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16347-54 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 16347/54 |
| Instrument | 14171 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 407 Prospect St, #409 was $7,750, up 2.2% from the year before.
Source: Essex County and Lawrence City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Lawrence City |
| Unified School District | Lawrence School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,750.00 (+2.24%) | $897,000 (+4.13%) Land $143,900 Building $753,100 | $826,750 |
| 2025 | $7,580.00 (+7.4%) | $861,400 (+12.9%) Land $143,900 Building $717,500 | |
| 2024 | $7,058.00 (+8.99%) | $763,000 (+19.71%) Land $151,100 Building $611,900 | |
| 2023 | $6,476.00 | $637,400 Land $146,000 Building $491,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Prospect St, #409 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 Claims | 3 (1978–2006) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
| Claims by Event |
|
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.
The area around 407 Prospect St, #409 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 678 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 |
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