90 Summer St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 90 Summer St, Lawrence, MA 01840

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,352 sqft · built 1900
Lot Size	0.075 acres (3,255 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2003)
Tax Bill	$5,111 (2026)
Deeds & Mortgages	Jul 2021 Refinance Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107 0000 0045 A`

Property Details

APN / Parcel Number

Primary APN	`107 0000 0045 A`
Alternative APN	`LAWR M:0107 B:0000 L:0045`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,352 sqft Living Area
Gross Area	3,672 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 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	3,255 sqft (0.075 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	107 0000 0045 A
Street Address	90 SUMMER ST
City	LAWRENCE
State	MA
Zip	01840-1618
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Lot Number	45
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1019
Census Tract	251000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	90 SUMMER ST, LAWRENCE, MA 01840-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HOME BANK
Jul 11, 2018	Quit Claim Deed, Transfer FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2003 · Amount on Record
Deed Sale	Nov 13, 2003 · Amount on Record
Prior Sale	Jun 11, 1997 · Amount on Record
Deed Document Number	200365391
Transfer Doc	15545-252
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	90 SUMMER ST, LAWRENCE, MA 01840-1618
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	017013-210
Date	Jul 1, 2021
Book Page	17013/210
Instrument	22169

Lender

Name	FIRST HOME BANK

Agreement

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

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Jul 11, 2018
Property Address	90 SUMMER ST, LAWRENCE, MA 01840-1618
Document Number	15545-252
Book / Page	15545 / 252
Instrument	16408
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$32.35
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 SUMMER ST, LAWRENCE, MA 01840-1618

Mortgage

Document Number	15545-254
Date	Jul 11, 2018
Book Page	15545/254
Instrument	16409

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 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	Assessed Market Value
2026	$5,111.00 (+5.62%)	$591,500 (+7.57%) Land $97,900 Building $493,600	$650,640
2025	$4,839.00 (+12.14%)	$549,900 (+17.88%) Land $97,900 Building $452,000
2024	$4,315.00 (-5.89%)	$466,500 (+3.37%) Land $102,900 Building $363,600
2023	$4,585.00	$451,300 Land $99,300 Building $352,000

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 · 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	22 units insured incl. 18 condo units
Nearby Flood Claims	6 (1987–2022)
Most Recent Claim	Feb 2022 · other causes
Claims by Event	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 468 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.

Nearby Properties on Summer St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures