94 Summer St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 94 Summer St, Lawrence, MA 01840

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 3,061 sqft · built 1900
Lot Size	0.105 acres (4,557 sqft)
Owner	2 Individual Names on File
Last Sale	$807,000 (Feb 2026)
Tax Bill	$6,655 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`107 0000 0046 A`

Property Details

APN / Parcel Number

Primary APN	`107 0000 0046 A`
Alternative APN	`LAWR M:0107 B:0000 L:0046`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,061 sqft Living Area
Gross Area	5,505 sqft
Basement Area	1,401 sqft
Unfinished Basement	1,401 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	4,557 sqft (0.105 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	107 0000 0046 A
Street Address	94 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	46
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1019
Census Tract	251000

Owner

94 Summer St, a duplex, is owned and occupied by two individuals who bought it in February 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Sep 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 27, 2026	Quit Claim Deed, Transfer GUARANTEED RATE INC
Jul 29, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 14, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Mar 20, 2015 · Amount on File
Deed Document Number	20263036
Deed Book / Page	18521 / 225
Prior Transfer Date	Feb 17, 2026
Prior Transfer Doc	018521-225
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00017111-3
Date	Sep 1, 2021
Book Page	17111/3
Instrument	29291

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Oct 1, 2049

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Feb 27, 2026
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Document Number	018521-225
Book / Page	18521 / 225
Instrument Date	Feb 17, 2026
Instrument	3036
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	94 SUMMER ST, LAWRENCE, MA 01840-1618

Mortgage

Document Number	0000003037
Date	Feb 27, 2026
Instrument	3037

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015934-321
Date	Jul 29, 2019
Book Page	15934/321
Instrument	17598

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	016446-152
Date	Aug 14, 2020
Book Page	16446/152
Instrument	21212

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2049

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Aug 5, 2020
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Document Number	16431-101
Book / Page	016431 / 000101
Instrument Date	Aug 5, 2020
Instrument	2
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 SUMMER ST LAWRENCE MA 018401618, LAWRENCE, MA 01840-1618

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Oct 1, 2019
Property Address	94 SUMMER ST, LAWRENCE, MA 01840-1618
Document Number	16022-250
Book / Page	016022 / 000250
Instrument Date	Sep 27, 2019
Instrument	24247
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 SUMMER ST LAWRENCE MA 018401618, LAWRENCE, MA 01840-1618

Tax Assessment & Valuation

The 2026 property tax bill for 94 Summer St was $6,655, 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	Assessed Market Value
2026	$6,655.00 (+5.82%)	$770,200 (+7.77%) Land $108,400 Building $661,800	$775,039
2025	$6,289.00 (+11.63%)	$714,700 (+17.34%) Land $108,400 Building $606,300
2024	$5,634.00 (-5.93%)	$609,100 (+3.32%) Land $113,800 Building $495,300
2023	$5,989.00	$589,500 Land $109,900 Building $479,600

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

Flood

FEMA maps place 94 Summer St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1987.

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

The area around 94 Summer 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 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.

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