45 Oregon Ave, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 45 Oregon Ave, Lawrence, MA 01841

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 882 sqft · built 1940
Lot Size	0.275 acres (11,980 sqft)
Owner	2 Trust Names on File
Last Sale	$276,000 (Jan 2020)
Tax Bill	$3,867 (2026)
Deeds & Mortgages	Sep 2026 Transfer Sep 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`205 0000 0058 A`

Property Details

APN / Parcel Number

Primary APN	`205 0000 0058 A`
Alternative APN	`LAWR M:0205 B:0000 L:0058`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	882 sqft Living Area
Gross Area	2,410 sqft
Basement Area	742 sqft
Unfinished Basement	742 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,980 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	205 0000 0058 A
Street Address	45 OREGON AVE
City	LAWRENCE
State	MA
Zip	01841-4918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Subdivision	CARRIAGE HILL ESTATES
Legal Lot Number	58
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2012
Census Tract	251400

Owner

45 Oregon Ave is owner-occupied and held in a trust since July 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	45 OREGON AVE, LAWRENCE, MA 01841-4918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

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
Sep 14, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 14, 2026	Quit Claim Deed, Transfer Quitclaim
Oct 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HARVARD FCU
Jan 15, 2020	Quit Claim Deed, Transfer · FHA Mortgage BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2020 · Amount on File
Deed Sale	Jan 15, 2020 · Amount on File
Prior Sale	May 16, 2006 · Amount on File
Deed Document Number	20201035
Deed Book / Page	16155 / 48
Last Transfer Date	Jul 16, 2026
Transfer Doc	0000016118
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Sep 14, 2026
Property Address	45 OREGON AVE, LAWRENCE, MA 01841-4918
Document Number	0000016118
Book / Page	18691 / 263
Instrument Date	Jul 16, 2026
Instrument	202616118
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 OREGON AVE, LAWRENCE, MA 01841-4918

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Sep 14, 2026
Property Address	45 OREGON AVE, LAWRENCE, MA 01841-4918
Document Number	0000016120
Book / Page	18691 / 267
Instrument Date	Jul 16, 2026
Instrument	202616120
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OREGON AVE, LAWRENCE, MA 01841-4918

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	45 OREGON AVE, LAWRENCE, MA 01841-4918
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018412-302
Date	Oct 17, 2025
Book Page	18412/302
Instrument	18152

Lender

Name	HARVARD FCU

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Jan 15, 2020
Property Address	45 OREGON AVE, LAWRENCE, MA 01841-4918
Document Number	16155-48
Book / Page	16155 / 48
Instrument Date	Dec 13, 2019
Instrument	1035
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 OREGON AVE, LAWRENCE, MA 01841-4918

Mortgage

Document Number	1036
Date	Jan 15, 2020
Instrument	1036

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Oregon Ave was $3,867, up 7.5% 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	$3,867.00 (+7.54%)	$447,600 (+9.54%) Land $199,600 Building $248,000	$454,844 (+30.92%)
2025	$3,596.00 (+3.6%)	$408,600 (+8.9%) Land $160,600 Building $248,000	$347,415
2024	$3,471.00 (-0.4%)	$375,200 (+9.39%) Land $153,900 Building $221,300
2023	$3,485.00	$343,000 Land $135,200 Building $207,800

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

Flood

FEMA maps place 45 Oregon Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 45 Oregon Ave 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 785 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: T-Mobile.

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