7 Exchange St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 7 Exchange St, Lawrence, MA 01841

Property Summary

Property Type	Triplex
Details	6 bd · 2 ba · 3,340 sqft · built 1890
Lot Size	0.073 acres (3,200 sqft)
Owner	Individual Name on Record
Last Sale	$367,000 (Mar 2018)
Tax Bill	$5,816 (2026)
Deeds & Mortgages	Jan 2022 Refinance Dec 2023 Refinance + 3 more
Flood Zone	Zone AE (high risk)
APN	`170 0000 0143 A`

Property Details

APN / Parcel Number

Primary APN	`170 0000 0143 A`
Alternative APN	`LAWR M:0170 B:0000 L:0143`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,340 sqft Living Area
Gross Area	5,560 sqft
Basement Area	1,339 sqft
Unfinished Basement	1,339 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,200 sqft (0.073 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	170 0000 0143 A
Street Address	7 EXCHANGE ST
City	LAWRENCE
State	MA
Zip	01841-3196
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R3
Legal Lot Number	143
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	2
Census Block	2011
Census Tract	250400

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	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC
Dec 12, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance US SMALL BUSINESS ADMINISTRATION
Feb 25, 2026	Deed of Trust, Mortgage BRIGHTBRIDGE CU
Oct 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 9, 2018	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Prior Sale	Jul 22, 2009 · Amount on Record
Deed Book / Page	15412 / 178
Transfer Doc	015412-178
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017320-170
Date	Jan 24, 2022
Book Page	17320/170
Instrument	1945

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

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

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017893-331
Date	Dec 12, 2023
Book Page	17893/331
Instrument	20440

Lender

Name	US SMALL BUSINESS ADMINISTRATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	018519-232
Date	Feb 25, 2026
Book Page	18519/232
Instrument	2884

Lender

Name	BRIGHTBRIDGE CU

Agreement

Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16544-323
Date	Oct 14, 2020
Book Page	16544/323
Instrument	28044

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Nov 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Mar 9, 2018
Property Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196
Document Number	15412-178
Book / Page	15412 / 178
Instrument	5392
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.41
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 EXCHANGE ST, LAWRENCE, MA 01841-3196

Mortgage

Document Number	154120180
Date	Mar 9, 2018
Instrument	15412/0180

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 9, 2048

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
2026	$5,816.00 (+5.82%)	$673,100 (+7.76%) Land $97,500 Building $575,600
2025	$5,496.00 (+6.99%)	$624,600 (+12.46%) Land $97,500 Building $527,100
2024	$5,137.00 (-3.31%)	$555,400 (+6.22%) Land $102,400 Building $453,000
2023	$5,313.00	$522,900 Land $98,900 Building $424,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	67 (1984–2020)
Claims Outside the SFHA	13 of 67
Most Recent Claim	Jul 2020 · other causes
Claims by Event	Severe Storms And Flooding, Mar 2010 · 7 claims Severe Storms And Flooding, May 2006 · 30 claims Severe Storms & Flooding, Apr 1987 · 7 claims

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

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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