95 Summer St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 95 Summer St, Lawrence, MA 01840

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,872 sqft · built 1900
Lot Size	0.142 acres (6,192 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Oct 1990)
Tax Bill	$6,340 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`107 0000 0040 A`

Property Details

APN / Parcel Number

Primary APN	`107 0000 0040 A`
Alternative APN	`LAWR M:0107 B:0000 L:0040`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,872 sqft Living Area
Gross Area	6,128 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,192 sqft (0.142 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	107 0000 0040 A
Street Address	95 SUMMER ST
City	LAWRENCE
State	MA
Zip	01840-1619
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Lot Number	40
Jurisdiction	LAWRENCE MA
Township / Civil Division	LAWRENCE
Census Block Group	1
Census Block	1017
Census Tract	251000

Owner

Source: Essex County and Lawrence City records, as of April 14, 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	95 SUMMER ST, LAWRENCE, MA 01840-1619
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
Nov 1, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 1990 · Amount on Record
Deed Sale	Oct 31, 1990 · Amount on Record
Last Transfer Date	Sep 26, 2021
Transfer Doc	017211-106
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	95 SUMMER ST, LAWRENCE, MA 01840-1619
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	017211-106
Date	Nov 1, 2021
Book Page	17211/106
Instrument	36253

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

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

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE MA
Recording Date	Nov 1, 2021
Property Address	95 SUMMER ST, LAWRENCE, MA 01840-1619
Document Number	17211-103
Book / Page	17211 / 103
Instrument Date	Sep 26, 2021
Instrument	36252
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	95 SUMMER ST, LAWRENCE, MA 01840-1619

Mortgage

Document Number	17211-106
Date	Nov 1, 2021
Book Page	17211/106
Instrument	36253

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

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

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
2025	$6,340.00 (+8.19%)	$720,400 (+13.72%) Land $119,400 Building $601,000
2024	$5,860.00 (-3.43%)	$633,500 (+6.08%) Land $125,500 Building $508,000
2023	$6,068.00	$597,200 Land $121,200 Building $476,000

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 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.

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