99 Summer St, Lawrence, MA 01840 Property Records

Essex County and Lawrence City property record for 99 Summer St, Lawrence, MA 01840

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 8 ba · 5,100 sqft · built 1920
Lot Size	0.088 acres (3,833 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Jul 2015)
Tax Bill	$7,347 (2026)
Deeds & Mortgages	Nov 2017 Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`107 0000 0039 A`

Property Details

APN / Parcel Number

Primary APN	`107 0000 0039 A`
Alternative APN	`LAWR M:0107 B:0000 L:0039`

Interior

Bedrooms	9 Beds
Full Baths	8 Baths
Total Rooms	13 Rooms
Units	6 Units
Stories	3 Stories
Building Area	5,100 sqft Living Area
Gross Area	6,877 sqft
Basement Area	1,695 sqft
Unfinished Basement	1,695 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,833 sqft (0.088 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	107 0000 0039 A
Street Address	99 SUMMER ST
City	LAWRENCE
State	MA
Zip	01840-1630
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	R3
Legal Lot Number	39
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 ROBINLEA CIR, WOBURN, MA 01801-1222
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2017	Deed of Trust, Mortgage SAVINGS BANK TRUST
May 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2015 · Amount on Record
Deed Sale	Jul 2, 2015 · Amount on Record
Prior Sale	Jun 28, 2013 · Amount on Record
Deed Book / Page	14288 / 44
Transfer Doc	0014288-44
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	99 SUMMER ST, LAWRENCE, MA 01840-1630
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15293-39
Date	Nov 10, 2017
Book Page	15293/39
Instrument	29520

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE MA
Property Address	99 SUMMER ST, LAWRENCE, MA 01840-1630
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	16307-346
Date	May 15, 2020
Book Page	16307/346
Instrument	11451

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$7,347.00 (+8.38%)	$850,400 (+10.4%) Land $102,500 Building $747,900
2025	$6,779.00 (-4.71%)	$770,300 (+0.16%) Land $102,500 Building $667,800
2024	$7,114.00 (-9.71%)	$769,100 (-0.83%) Land $107,800 Building $661,300
2023	$7,879.00	$775,500 Land $104,100 Building $671,400

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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