46 Cross St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 46 Cross St, Lawrence, MA 01841

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,414 sqft · built 1910
Lot Size	0.092 acres (3,998 sqft)
Owner	Individual Name on File
Last Sale	$154,900 (Jan 2009)
Tax Bill	$6,220 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`168 0000 0087 A`

Property Details

APN / Parcel Number

Primary APN	`168 0000 0087 A`
Alternative APN	`LAWR M:0168 B:0000 L:0087`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,414 sqft Living Area
Gross Area	4,793 sqft
Basement Area	1,347 sqft
Unfinished Basement	1,347 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	3,998 sqft (0.092 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	168 0000 0087 A
Street Address	46 CROSS ST
City	LAWRENCE
State	MA
Zip	01841-1305
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R3
Legal Lot Number	87
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2004
Census Tract	251100

Owner

46 Cross St, a triplex, is owned and occupied by an individual who bought it in January 2009.

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

Owner of Record	Individual Name on File
Mailing Address	46 CROSS ST, LAWRENCE, MA 01841-1305
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2009 · Amount on File
Deed Sale	Jan 22, 2009 · Amount on File
Prior Sale	Oct 3, 2007 · Amount on File
Deed Document Number	20091505
Deed Book / Page	11436 / 76
Transfer Doc	10931-35
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	46 CROSS ST, LAWRENCE, MA 01841-1305
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017402-214
Date	Apr 5, 2022
Book Page	17402/214
Instrument	8271

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 46 Cross St was $6,220, up 5.8% 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
2026	$6,220.00 (+5.82%)	$719,900 (+7.77%) Land $103,900 Building $616,000
2025	$5,878.00 (+8.53%)	$668,000 (+14.09%) Land $103,900 Building $564,100
2024	$5,416.00 (-3.32%)	$585,500 (+6.18%) Land $109,100 Building $476,400
2023	$5,602.00	$551,400 Land $105,400 Building $446,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 46 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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 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 46 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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