81 Cross St, Lawrence, MA 01841 Property Records

Essex County and Lawrence City property record for 81 Cross St, Lawrence, MA 01841

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,476 sqft · built 1900
Lot Size	0.196 acres (8,525 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Feb 2018)
Tax Bill	$6,591 (2026)
Deeds & Mortgages	Jul 2021 Refinance Apr 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169 0000 0009 A`

Property Details

APN / Parcel Number

Primary APN	`169 0000 0009 A`
Alternative APN	`LAWR M:0169 B:0000 L:0009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,476 sqft Living Area
Gross Area	4,647 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,525 sqft (0.196 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	169 0000 0009 A
Street Address	81 CROSS ST
City	LAWRENCE
State	MA
Zip	01841-3531
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R3
Legal Lot Number	9
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	3
Census Block	3006
Census Tract	251100

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	81 CROSS ST, LAWRENCE, MA 01841-3531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Apr 5, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 16, 2018	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2018 · Amount on Record
Deed Sale	Feb 16, 2018 · Amount on Record
Prior Sale	May 28, 2009 · Amount on Record
Deed Book / Page	15392 / 121
Transfer Doc	15439-156
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	81 CROSS ST, LAWRENCE, MA 01841-3531
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017039-101
Date	Jul 20, 2021
Book Page	17039/101
Instrument	24112

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Apr 5, 2018
Property Address	81 CROSS ST, LAWRENCE, MA 01841-3531
Document Number	15439-156
Book / Page	015439 / 000156
Instrument Date	Mar 2, 2018
Instrument	7666
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CROSS ST LAWRENCE MA 01840, LAWRENCE, MA 01840

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Feb 16, 2018
Property Address	81 CROSS ST, LAWRENCE, MA 01841-3531
Document Number	15392-121
Book / Page	15392 / 121
Instrument	3792
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	153920123
Date	Feb 16, 2018
Instrument	15392/0123

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 16, 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	$6,591.00 (+5.19%)	$762,800 (+7.12%) Land $134,200 Building $628,600
2025	$6,266.00 (+7.37%)	$712,100 (+12.87%) Land $134,200 Building $577,900
2024	$5,836.00 (-3.66%)	$630,900 (+5.8%) Land $141,000 Building $489,900
2023	$6,058.00	$596,300 Land $136,100 Building $460,200

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	24 (1984–2010)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 11 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims Severe Storms & Flooding, Apr 1987 · 3 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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