31 Garfield St, Lawrence MA 01843
Lawrence, MA 01843
$699,900
$649,900
Est. $3,951/month
About this home
Attention 203(k) buyer — a savvy homebuyer or owner-occupant ready to take advantage of an affordable down payment (3.5% down) and convert this promising property into a beautiful two-family home. Located at 31 Garfield Street, recently subdivided from the original dual-building parcel (formerly Buildings 31 & 33). Built in 2010 and well maintained, the structure is in very good shape, and strong “bones.” Zoning Board approval already secured for redevelopment into a two-family dwelling — plus a spacious garage with potential for expansion. Imagine two residential units plus a large garage suitable for a home-shop or protected tandem parking for two cars. Off-street parking is abundant. For contractors, owner-occupants, or those looking to add value, this is a rare opportunity. With the right vision and a 203(k) rehab loan to bundle purchase + renovation — this unit offers remarkable upside. Reach out to schedule a walkthrough and explore the possibilities for this value add gem.
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Recently Sold Nearby
Property History
Market Insights
1
Price Changes
7.2%
Price Range
1
Previous Sales
Property Timeline
Status: Active under contract
Apr 15, 2026
Active → Active Under Contract
Pending Sale
Apr 15, 2026
Offer accepted, sale pending
Price Reduced
Mar 19, 2026
$649,900
$50,000
(-7.14%)
From $699,900 to $649,900 (-7.1%)
Listed for Sale
Dec 10, 2025
$699,900
Original listing
Agent: Jose Frias
Office: Realty ONE Group Nest
Previous Transaction - MLS #73124673
Full transaction history available when tracking began
Previously Sold
Jan 8, 2024
$700,000
MLS #73124673
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 04/15/2026 | 📋 Status: Active under contract | - | - | - | Active → Active Under Contract |
| 04/15/2026 | ⏳ Pending Sale | - | - | - | Offer accepted, sale pending |
| 03/19/2026 | ↓ Price Reduced | $649,900 | $50,000 | - | From $699,900 to $649,900 (-7.1%) |
| 12/10/2025 | 🏠 Listed for Sale | $699,900 | - | - | Original listing |
| 01/08/2024 | 🏷️ Previously Sold | $700,000 | - | - | MLS #73124673 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,571 | $633,100 |
Financial Details
Annual Property Tax
$5,571
Tax Year 2025
Assessed Value
$633,100
Facts & Features
2 Car Garage
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
2010
Living Area
3,208 sq ft
Lot Size
0.15 acres
Bedrooms
5
Full Baths
4
Half Baths
1
Total Rooms
12
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
None
Laundry
None
Features
None
Exterior
Construction
Stone, Block
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Garage Spaces
2
Has Garage
Yes
Features
Paved Drive, Off Street, Driveway
Total Spaces
12
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,571
Assessed Value
$633,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Seller Disclosures
Subdivided From Unit 33. Zoning Approved To Convert Into 2 Family Home. Expansion Potential With 20 Feet High Garage Possible In-law. Buyer Responsible For Conversion, Building Permits And Occupancy Permits. Number Of Rooms Is Estimated. Unit 1 Room Count Is Based On Proposed Build Out.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Other
Sq Ft Disclosures
Living are is approximate per floor plan.
Documents
None
County
Essex
Total market time (incl. prior listings)
140 days
Property Overview
Property Type
Multi Family
Listing Type
Sale Pending
Year Built
2010
Bedrooms
5
Full Bathrooms
4
Half Bathrooms
1
Living Area
3,208 sq ft
Total Rooms
12
Stories
4
Levels
4
Floor Layout
Interactive room guide
Floor Layout
Finished Area
3,208 sq ft above grade
Display Options
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:
Construction & Materials
Year Built:
2010
Structure Type:
Exterior Materials:
Stone, Block
Roof:
Shingle
Foundation:
Concrete Perimeter, Slab
Stories:
4
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Garage Spaces:
2
Total Parking Spaces:
12
Parking Features:
Paved Drive, Off Street, Driveway
Nearby Schools
School District
Lawrence School District local
D
Where Graduates Go
Class of 2021
36%
attend college
14%
4-Year
23%
2-Year
3%
Out of State
2%
Working
School Safety
2024-25
2.2%
Average
2.2%
Suspensions
1.1%
In-School
3.3% below state avg
Elementary Schools
3 schools
Lawrence Catholic Academy
0.4 mi
Grades PK-08
John Breen School
0.5 mi
262 students
Less Diverse
Grades PK-K
C
South Lawrence East Elementary School
0.5 mi
|
#627 of 824
|
Score: 39.4
Improved 85 spots from last year
-18.8 below state avg
666 students
Less Diverse
Grades 01-05
Middle Schools
3 schools
B+
Spark Academy
0.5 mi
|
#6 of 16
|
Score: 35.8
Improved 245 spots from last year
-22.5 below state avg
443 students
Less Diverse
Rising School
Grades 05-08
C-
Frost Middle School
0.8 mi
|
#297 of 352
|
Score: 31.7
Improved 21 spots from last year
-26.5 below state avg
508 students
Less Diverse
Rising School
Grades 05-08
Esperanza Academy
1.1 mi
Grades 05-06
High Schools
3 schools
C
Lawrence High School
0.4 mi
|
#270 of 346
|
Score: 44.4
Improved 39 spots from last year
-13.8 below state avg
3,453 students
Less Diverse
13 sports
• 1,440 athletes
Early College Program
Rising School
Career Tech Programs
College Ready Curriculum
Grades 09-12
B
High School Learning Center
0.5 mi
|
#172 of 346
|
Score: 71.1
Dropped 128 spots from last year
198 students
Less Diverse
Career Tech Programs
College Ready Curriculum
Grades 09-12
B
Phoenix Academy Public Charter High School, Lawrence
1.1 mi
|
#182 of 346
|
Score: 69.9
Dropped 160 spots from last year
140 students
Moderate
Career Tech Programs
College Ready Curriculum
Grades 09-12
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Loan Amount
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After down payment
Total Interest
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Over life of loan
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$464
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
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Total principal paid
$0
Total interest paid
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Rate Impact
-0.5% Rate
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
31 Garfield St, Lawrence MA 01843
Lawrence, MA 01843
Listing Information
Listing Agent
Jose Frias
Listing Office
Realty ONE Group Nest
Office Phone
978-655-1385
Agent MLS ID
CN207589
Office MLS ID
AN7014
Listing Data Updated
Jul 23, 2026 6:57 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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