48 Union St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 48 Union St, Lawrence, MA 01840

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,048 sqft · built 1900
Lot Size	0.047 acres (2,026 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Mar 2021)
Tax Bill	$4,876 (2026)
Deeds & Mortgages	Jan 2022 Refinance Mar 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`87 0000 0027 A`

Property Details

APN / Parcel Number

Primary APN	`87 0000 0027 A`
Alternative APN	`LAWR M:0087 B:0000 L:0027`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	3,284 sqft
Basement Area	848 sqft
Unfinished Basement	848 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,026 sqft (0.047 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	87 0000 0027 A
Street Address	48 UNION ST
City	LAWRENCE
State	MA
Zip	01840-1819
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	B2
Legal Subdivision	CASABLANCAA TWNHS
Legal Lot Number	27
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2004
Census Tract	250900

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Mechanics Block Historic District (Boundary Increase) listed 1978 · 8 contributing resources · NRIS 78000451

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	140 NAVARRE ST, 43B, HYDE PARK, MA 02136-2249
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE
Mar 5, 2021	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Mar 5, 2020	Deed of Trust, Mortgage · ARM JEANNE D ARC CU
May 23, 2017	Quit Claim Deed, Transfer · Conventional Mortgage METRO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	May 23, 2017 · Amount on Record
Deed Book / Page	16807 / 29
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	48 UNION ST, LAWRENCE, MA 01840-1819
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017317-222
Date	Jan 20, 2022
Book Page	17317/222
Instrument	1711

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Mar 5, 2021
Property Address	48 UNION ST, LAWRENCE, MA 01840-1819
Document Number	16807-29
Book / Page	16807 / 29
Instrument Date	Mar 5, 2021
Instrument	7625
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	48 UNION ST, LAWRENCE, MA 01840-1819

Mortgage

Document Number	7626
Date	Mar 5, 2021
Instrument	7626

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	48 UNION ST, LAWRENCE, MA 01840-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16215-276
Date	Mar 5, 2020
Book Page	16215/276
Instrument	5564

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2025

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	May 23, 2017
Property Address	48 UNION ST, LAWRENCE, MA 01840-1819
Document Number	15089-304
Book / Page	015089 / 000304
Instrument Date	May 23, 2017
Instrument	12618
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,208.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 SHACKLE WAY #145 SWAMPSCOTT MA 019071224, 145, SWAMPSCOTT, MA 01907-1224

Mortgage

Document Number	15089-306
Date	May 23, 2017
Book Page	015089/000306
Instrument	12619

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2047

Tax Assessment & Valuation

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	$4,876.00 (+5.66%)	$564,400 (+7.63%) Land $85,500 Building $478,900	$626,036
2025	$4,615.00 (+15.75%)	$524,400 (+21.67%) Land $85,500 Building $438,900
2024	$3,987.00 (-5.92%)	$431,000 (+3.33%) Land $89,800 Building $341,200
2023	$4,238.00	$417,100 Land $86,700 Building $330,400

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

Flood

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

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

Wildfire

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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	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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