Essex County and Lawrence City property record for 45 E Haverhill St, Lawrence, MA 01841
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,238 sqft · built 1900 |
| Lot Size | 0.08 acres (3,488 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Sep 2010) |
| Tax Bill | $5,727 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit May 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 108 0000 0104 A |
| Primary APN | 108 0000 0104 A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,238 sqft Living Area |
| Gross Area | 4,467 sqft |
| Basement Area | 1,141 sqft |
| Unfinished Basement | 1,141 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,488 sqft (0.08 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 108 0000 0104 A |
|---|---|
| Street Address | 45 E HAVERHILL ST |
| City | LAWRENCE |
| State | MA |
| Zip | 01841-3911 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Lot Number | 104 |
| Jurisdiction | LAWRENCE MA |
| Township / Civil Division | LAWRENCE |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 251000 |
45 E Haverhill St, a duplex, is owned and occupied by an individual who bought it in September 2010.
Source: Essex County and Lawrence City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 E HAVERHILL ST, LAWRENCE, MA 01841-3911 |
| 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 |
|---|---|
| Aug 5, 2025 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| May 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2010 · Amount on File |
| Deed Sale | Sep 20, 2010 · Amount on File |
| Prior Sale | Sep 16, 2003 · Amount on File |
| Deed Document Number | 201024513 |
| Deed Book / Page | 12193 / 62 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 45 E HAVERHILL ST, LAWRENCE, MA 01841-3911 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0018349-86 |
|---|---|
| Date | Aug 5, 2025 |
| Book Page | 18349/86 |
| Instrument | 13187 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAWRENCE MA |
| Property Address | 45 E HAVERHILL ST, LAWRENCE, MA 01841-3911 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 16910-166 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 16910/166 |
| Instrument | 14746 |
| Name | NEW ENGLAND REGIONAL MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 45 E Haverhill St was $5,727, up 5.6% 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 | $5,727.00 (+5.63%) | $662,800 (+7.58%) Land $99,800 Building $563,000 | $675,598 |
| 2025 | $5,422.00 (+11.24%) | $616,100 (+16.93%) Land $99,800 Building $516,300 | |
| 2024 | $4,874.00 (-5.96%) | $526,900 (+3.29%) Land $104,800 Building $422,100 | |
| 2023 | $5,183.00 | $510,100 Land $101,200 Building $408,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 E Haverhill 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 | 22 units insured incl. 18 condo units |
| Nearby Flood Claims | 6 (1987–2022) |
| Most Recent Claim | Feb 2022 · other causes |
| 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 45 E Haverhill 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.
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 468 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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