Downloaded and Overlayed a Overlaying Part I: Our Methodology Hydrology Layer from Massgis

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1 The Spicket River Greenway: An Investigation of Parcels, Policies and Best Practices

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Prepared for Groundwork Lawrence

April 23,2003

Darien Crimmin Jennifer Lappin . Kim Sherman

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Acknowledgements We would like to thank Kate Gormly and Marianne Paley for giving us the opportunity to participate in research relevant to the development of the Spicket River Greenway. We are also grateful to Alex at Groundwork Lawrence for helping us to visit the Spicket River and the surrounding neighborhoods. Additionally, we very much appreciated the incredible resources and support provided by the staff at Lawrence Community Works.

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Table of Contents:

Executive Summary Page 5

Part I: Our Methodology Page 5

Part II: Easements and Land Conservation Page 7

Part III: The Rivers Protection Act Page 16

Part IV: Real World Example Page 17

Recommendations Page 18

Conclusions Page 18

Appendixes Page 20

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Executive Summary

The objective of this report is to provide Groundwork Lawrence with land parcel deed research, procedural recommendations, and case studies relevant to the process of developing a 2.3 mile greenway along the Spicket River in North Lawrence. Specifically, this report summarizes our methodology in identifying relevant land parcels, investigating ownership and contamination status, and storing information in GIS maps and excel databases. Additionally, our report provides preliminary recommendations for approaching the process of obtaining the land easements necessary to the prospective greenway's development. Finally, the report includes reflections and recommendations from a seasoned greenway planner. Our recommendations can be summarized as follows: 1. Prioritize objectives for obtaining easements. 2. Anticipate landowner questions regarding liability, safety, property values, tax implications, and perpetuity of conservation restrictions. 3. To strengthen the permanence of conservation restrictions, consider having more than one entity hold the fee title and conservation restriction for a parcel. With more than one entity involved, reversing a conservation restriction becomes much more difficult. 4. Develop a sound maintenance and greenway management plan including appropriate signage, lighting, and security. 5. Communicate with land trusts, other greenway developers, and legal experts to discuss nuts and bolts details of land acquisition and real-world greenway development strategies. Next, we downloaded and overlayed a Overlaying Part I: Our Methodology hydrology layer from MassGIS. a map with hydrology enabled us to select Step 1: Identifying Parcels In order to identify relevant parcels and research ownership status, The Tufts' Groundwork Lawrence Greenway Team began with a GIS parcel map of Lawrence parcels that were adjacent to the Spicket provided by Lawrence Community Works. River (on both sides of the river). Our GIS

5 map is attached in Appendix A and is also a simple record of the deed' s existence; for

provided in a CD. other parcels there was an actual copy of the deed online. We found a copy or record of ~ Step 2: Creating a Database the deed online for about one third of our Next, we exported the GIS attribute table for parcels. We found additional deeds at the the selected parcels into an excel document, office of the Registry of Deeds in Lawrence. thereby creating the beginnings of our The oldest deeds (pre-1870) are stored in greenway database. The attribute table Salem. Appendix B includes copies of all included the map and lot number for each available deeds. parcel (also known as the Assessor Tax ID number), the address or location of that Step 4: Identifying Department of parcel, as well as the names and addresses of Environmental Protection Hazards the grantors and grantees, if known. We After creating a database of parcels adjacent used the Lawrence tax assessors' database, to the Spicket River, we obtained a provided by Lawrence Community Works, Massachusetts Department of to add book and page numbers, indicating Environmental Protection (DEP) database where in the city' s records the deeds for that indicated which Lawrence parcels are particular parcels could be found. The contaminated. The database also indicates assessor's database did not list book and the particular type of contaminant found in page numbers for all of our parcels; we each parcel. By comparing the DEP added the information, if it was available. database with our Spicket parcels database, we were able to identify parcels adjacent to Step 3: Deed Research the Spicket River that were recently Having created a preliminary database, we contaminated. We indicated contaminated began the process of uncovering the deeds parcels in our database on an attached for our parcels. Fortunately, some deeds worksheet. Information on contaminated were available online at parcels should help inform the process of Lawrencedeeds.com. The site allows greenway development along the Spicket. visitors to search for deeds by grantee or grantor, parcel address, or book and page number. For some parcels the site contained

6 possible to envision a riverside trail. At the Step 5: Photographing Parcels and Lawrence Family Health Center site, we Hyperlinking to GIS noticed that if the guardrail in the parking lot While maps and databases are helpful tools could be moved in a few feet, there would for organizing the extensive amount of be room for a path between the rail and the information pertaining to the greenway, site river. We also noted the aesthetic and visits and photos can help bring that educational potential of some of the bridges information to life in a meaningful way. that cross over the Spicket. What if signage With that in mind, the Tufts Groundwork on these bridges encouraged pedestrians or Greenway Team made two trips to bikers to take notice of the river below? Lawrence to follow the river, photographing Finally, we met some of the shop-owners key parcels along the way. We hyperlinked and resident-neighbors of the Spicket, the photos to our GIS map; clicking on including a pre-schooler who scolded us for certain parcels with the hyperlink tool brings going too close to the river. "You're NOT up the photograph of that parcel. supposed to go down there! !" Our informal contact with Spicket River neighbors, Step 6: Reflections on Challenges and reinforced for us the idea that the river exists Opportunities Posed by the Spicket not just in an ecological context, but within Viewing the river up-close and following it a social context, too; developing the through North Lawrence added a new greenway, as Groundwork Lawrence already dimension to our understanding of the knows, is as much about the people of project. We noticed the immense amount of Lawrence as it is about the river itself. trash currently being dumped in the river. Everything from strollers to refrigerators to Part II: Easements & Land fifty-five gallon drums could be found in the Conservation river, strewn along its banks, and scattered What is an Easement? across adjacent properties. In many places, In order to create a riverside trail with buildings were built right up to the Spicket, continuous public access, Groundwork posing challenges to the river and to the Lawrence may wish to obtain easements greenway. At the same time, we prospective from landowners granting public access to encouraged to see parcels where it was were properties adjacent to the river. 7 1 Additionally, Groundwork Lawrence may does the organization plan to do with the wish to secure conservation restrictions, land? Which land uses will be prohibited prohibiting certain types of development and which uses will be permitted? How will along the greenway. the land be maintained? Why is this specific An easement (or restriction) is a legal parcel important and how will the greenway, agreement between a landowner and a as a whole, benefit the community? recipient (such as a conservation organization) that enables the landowner to retain ownership, while agreeing to specified prohibitions on use and development of the =*#,-h-* property. The specified limitations will vary, depending upon the objectives of the grantor /«'*'. and grantee. Specifications may or may not include a right of public access. An easement may be permanent or for a specified amount of time. The easement Property owners who are asked to grant easements are likely to have questions about applies to current and future owners of the liability, safety, and property values. property. The document gives the recipient organization the right to monitor the Liability Questions and Strategies property and enforce the agreement The organization should be prepared to (www.thetrustees.org/pages/44_techniques.c address a wide variety of landowner questions and concerns. Liability is an especially strong concern for many Prior to Approaching Landowners: landowners. The following sections provide Prioritize Objectives and Anticipate a brief overview of liability questions and Questions solutions. Before approaching owners, it is important to have clear objectives and a strong sense Will I get sued if someone gets hurt on my of the prospective benefits of the greenway land? project. Does the organization wish to A landowner might fear that granting public obtain a gift or an easement? What exactly access to his or her land makes him or her

8 legally responsible for injuries or accidents insurance policy is usually minimal (Morris, that happen on the land. Similarly, adjacent 2000). landowners might have liability questions Adjacent landowners also have limited concerning the possibility that greenway liability in the event that greenway users users will stray onto their properties. The wander, uninvited, onto their property. The landowner should know that a recreational organization can work with adjacent use statute provides legal protection to those landowners to reduce their liability by who open their land for public use, provided creating signage or fencing that clearly they do not charge an access fee. Without marks the boundaries of the greenway. 'No proof that such a landowner has exercised Trespassing' signs can help establish that "willful and wanton misconduct", the greenway users are not invited onto adjacent injured person cannot claim damages. land. The organization should also design Liability from illegal dumping, etc., resides the trail so as to be located far away from with the property owner and not with the any existing hazards. In the event that Conservation Restriction holder. Holders of hazards are located near the greenway, signs the Conservation Restriction are taking on a should be posted to warn visitors of any permanent responsibility for the property potential dangers. Finally, the organization and for the possible legal enforcement of should develop and implement a any violations to the conservation communication plan for training landowners restriction. (Howard, 2001) and adjacent landowners about their rights, While state law limits the liability of a responsibilities, and best practices regarding landowner, it does not prohibit a suit from greenway maintenance and safety (Howard, being filed. For this reason, many 2001). organizations that create trails and greenways add the easement landowners to their insurance policies, ensuring that the organizations would assume responsibility for the cost of a lawsuit. Any such insurance agreement should be specified within the easement contract. The cost of adding a landowner to the organization' s

9 private property owners. And 17 of the 19

cases were covered by the trail's insurance i ff policy (Morris, 2000). With proper planning 10 and management, liability is rarely a P problem for private landowners.

The following text from Massachusetts General Laws Chapter 21, Section 17C, amended by Chapter 268 of the Acts of 1998 limits the legal liability of landowners, who provide free public access to their land. Signage marking greenway boundaries can help reduce landowner liability. 17C. (a) Any person having an interest in The organization can also address liability land including the structures, buildings, and concerns by specifying within the easement equipment attached to the land, including contract that the design of the trail will be without limitation, wetlands, rivers, streams, consistent with established safety standards ponds, lakes, and other bodies ofwater, who and will include clear signage indicating lawfully permits the public to use such land permitted and prohibited activities along the for recreational, conservation, scientijic, trail. Additionally, the contract should educational, environmental, ecological, establish the organization' s responsibility to research, religious, or charitable purposes develop and implement maintenance and without imposing a charge or fee therefor, inspection plans. or who leases such landfor saidpurposes to Finally, it is worth investigating the extent the commonwealth or any political to which easements granting public access subdivision thereofor to any nonprofit have posed liability problems for corporation, trust or association, shall not landowners or adjacent property owners in be liable for personal injuries orproperty the past. In 1997, the Rails-to-Trails damage sustained by such members ofthe Conservancy surveyed 362 trails, finding public, including without limitation a minor, that between 1995 and 1996 there~were only while on said land in the absence ofwillful, 19 claims. Just 2 of the 19 claims involved 1 wanton, or reckless conduct by such person. 10 1

Such permission shall not confer upon any linked to various land gifts and easements. - member of the public using said land, When Groundwork is nearing the time of including without limitation a minor, the approaching landowners, we recommend status of an invitee or licensee to whom any consulting local land trusts for the most up- duty would be owed by saidperson. to-date information on tax implications of land gifts and easements. (b) The liability of any person who imposes a charge orfeefor the use of his land by the Privacy and Safety public for the purposes described in Landowners of occupied parcels asked to subsection (a) shall not be limited by any grant public access to their land may have provision of this section. The term person" concerns about safety and privacy. Will as used in this section shall be deemed to greenway-users linger on the property at include the person having an interest in the inconvenient hours? Will the property land, his agent, manager, or licensee and owner forgo all privacy? Will there be an shall include without limitation, any increased risk of crime on the property or in governmental body, agency or the neighborhood as a result of the easement instrumentality, nonprofit corporation, trust (and of the greenway in general)? Criminal or association, and any director, o«Oicer, activity along trails and greenways is rare. trustee, member, employee or agent thereof. Studies of the Minuteman Bikeway in A contribution or other voluntary payment Lexington have revealed that crime on the not required to be made to use such land properties adj acent to the path declined shall not be considered a charge or fee because police were able to implement a within the meaning of this section. curfew along the path (Howard, 2000). Moreover, design features can promote a Tax Implications safe atmosphere and discourage crime. Landowners should also be made aware of Vegetation can be planted in ways that any tax implications related to granting an reduce potential hiding places along easement on their property. Local land secluded portions of a trail; thorny bushes trusts have significant experience are a particularly effective deterrent to negotiating with landowners and are often hiding. Various forms of lighting can also very knowledgeable about the tax benefits promote a safe environment along a

11 greenway. Additionally, a security plan should be drafted in cooperation with the Ensuring that a land donation is neighborhood and municipality (Morris, protected in perpetuity: 2000). The Belt and Suspenders Approach Finally, landowners who have granted People donating land or a conservation public access easements to their properties restriction (C.R.) to their land sometimes and are willing to talk about their raise the concern that the entity holding the experiences can help landowners who are deed or C.R. may develop the property in considering an easement to understand the the decades to come. This concern is most practical realities of the agreement. often raised with people donating land or a C.R. to a municipality or the state. Several years ago, the City of Malden used most of its city-owned parks to furnish new schools for the burgeoning city population. This precedent of converting municipal-owned green spaces into schools continues to concern landowners today.

Thorny bushes can discourage hiding, According to Chris Rodstrom, land enhancing the safety of a trail. specialist at The Trustees of Reservation, Property Values one of the ways to ensure that a public or Property values are another landowner private deed holder does not develop concern. Will property values fall as a result conservation land is to use the 'Belt and of a public access easement or a Suspenders Approach." The name refers to conservation restriction? Will neighboring the redundancy afforded by the protection of property values decline? Studies show that having more than one entity hold the fee title property values tend to rise, increasing the and the conservation restriction. There are local tax base, when trails and greenways many ways to institute this approach, one are created nearby (Howard, 2001). example would be to have the town or city Moreover urban greenways can stimulate hold the fee title to the property and then for local economies by attracting tourists. a non-profit, land trust, private individual or

12 a state agency (e.g. DEM or MDC) to hold However, as documented below, the two- the conservation restriction. In order to alter thirds legislative vote to undo the conditions of the restriction, one would have conservation restriction has not proved to negotiate with not one, but two parties, in impossible to surmount. In the past 12 addition to Article 97 of the state years, the Massachusetts legislature has constitution. Essentially, this adds more approved 239 land transfers; over 70 of layers to the process. those transfers have converted publicly- owned open space into private developments. According to the Mass Audubon website, "Article 97 further requires that any land or Failure of Article 97 to protect easements taken or acquired for natural conservation land resource purposes shall not be used for other purposes unless the Massachusetts Two years ago, Massachusetts Public legislature approves the change by a two- Research Interest Group released a report thirds vote. Article 97 was intended to be a titled, "This Land is Not Your Land: The legislative 'check' to ensure that lands Loss of Publicly Owned Open Space in acquired for conservation purposes were not Massachusetts " which documented more converted to other inconsistent uses." 1 than the occasional instances where conservation land had been developed or altered through a reversal of conservation restrictions. It should be noted that in some instances reversal of the restriction was done for subsurface sewering, water supply or recreation, but the majority of the reversals were for public and private development purposes.

Below is a section of the Executive Summary for the report:

13 Public lands in Massachusetts have of Massachusetts lose each year large tracks increasingly become the target for private of untouched land as well as small development. Although the Massachusetts municipal parks to private development. The State Constitution was amended in 1972 to Charles River Basin in Boston, one of the guarantee basic environmental rights to the most visible natural settings in our capital, residents of the Commonwealth, today, has even become a target for development. these residents can no longer assume that the Only one million acres of protected public state actively protects publicly owned and private land remains, and it is preserved land. In fact, in the past 12 years, imperative that this land not be accessible to over 80 times has the State Legislature developers. approved our public land to be sold to The purpose of this report is to review private developers, often at a bargain price. Article 97 land transfer bills between 1989 Article 97, the Constitutional Amendment and 2000. Our research reveals that 239 total passed almost thirty years ago, intended to transfers took place in that period. These protect open space by requiring that a two- include: 80 transfers (34%) for private thirds majority in both the House and Senate development (including industrial, approve the land transfer. The last three commercial, and residential); 36 (15%) for decades have demonstrated, however, that a municipal use; 32 (13%) for water supply two-thirds majority has not been difficult to and sewage; 31 (13%) for unknown obtain. Since 1989, the Legislature has purposes; 26 (11%) for education; 16 (7%) approved 239 land transfers. Thirty four for recreation; 15 (6%) for roads and percent of those transfers have converted highways; 3 (1%) for miscellaneous publicly owned open space into privately purposes. developed land. Simply put, we, the people Two figures are particularly important to of Massachusetts are losing our land to highlight: private commercial interests. · In addition to the 34% of all land transfers Every year, 17,000 acres of open space in that converted open space into privately Massachusetts are developed. From the developed land, another 19% of land 1 Frost Bottom on Martha's Vineyard to Den transfers are used for road and water supply Rock Park in South Lawrence, the citizens construction, clearly the result of

14 development. question, "Do you know of any instances · The number of land transfers benefiting where a deed is held by more than one party private development has steadily increased and has been converted to development, The in the past 12 years. Whereas in 1989 only 1 Trustees' Rodstrom said that he did not land transfer accounted for private know of any such instances. development, in 2000 the Legislature transferred 16 parcels of land to private As the MassPirg Executive Summary developers via Article 97 land transfers. mentioned, Senator Pan Resor has sponsored a bill, "AN ACT TO PROTECT THE Fortunately, there is a solution to this NATURAL AND HISTORIC problem. The "Public Lands Preservation RESOURCES OF THE Bill," S.1109, was filed by Senator Pamela COMMONWEALTH" which will afford Resor (Acton) and Representative Ruth more protection for conservation land under Balser (Newton). If enacted, this bill would the article 97 processes. Last year the severely constrict the improper use of our Massachusetts Senate passed it public lands by establishing strict criteria unanimously, but it never made it out of before any public lands can be sold off to Committee in the House of Representatives. private developers. By protecting Jennifer Lappin spoke with Senator Resor's conservation lands and requiring office on April 22,2003 and Resor's governments and developers to seek legislative aide speculated that the Senate reasonable alternatives to developing would pass the bill again, and that the publicly owned open spaces, the Public success of the bill hinges upon whether the Lands Preservation Bill would reaffirm the House allows the bill to go to the floor. commitment to open lands that the According to a list compiled by Legislature made almost three decades ago. MassAudubon for the 2002 vote, Lawrence Senators and Representatives were not co- Aiming to protect land in perpetuity: sponsors. Again, layering via the 'belt and suspenders" approach has proved to be a very effective Legal Assistance way of preventing future development of If an owner agrees to grant an easement, a publicly-owned lands. When posed with the lawyer will need to get involved in drafting

15 and finalizing the agreement. A sample Part III: The Rivers Protection Act easement is attached to this document in Massachusetts adopted a Rivers Protection Appendix C. Clearly Groundwork Act in 1996, which seeks to "protect the Lawrence will want to draft easements private or public water supply; to protect the consistent with its own goals (and with the ground water; to provide flood control; to goals and interests of landowners). It is prevent storm damage; to prevent pollution; helpful to have samples drafted prior to to protect land containing shellfish; to approaching landowners. protect wildlife habitat; and to protect the fisheries."2 The act protects land within a Procedures 200-foot corridor on each side of the river or Massachusetts is the only state in which an stream. Because of high density, certain easement must be approved by the specific cities in the Commonwealth are not held to municipality as well as by the agency in the the 200-foot area. In Lawrence, as well as commonwealth designated to approve that other cities, the protected corridor is only 25 particular form of easement. The feet. Massachusetts Executive Office of The rivers act was established to support the Environmental Affairs (EOEA), Division of interests of the Wetlands Protection Act, and Conservation Services, reviews and has become a dominant factor regarding processes conservation easements. That riverfront development in the state. office is located at 251 Causeway Street, Furthermore, the act protects the natural Boston, and can be contacted at: integrity of rivers and encourages the 617-727-3160. In Lawrence, the process of establishment of a system of open space gaining approval for conservation easements lands along the rivers. In this regard, any 1 remains somewhat elusive. Ann-Marie efforts to create a greenway along the Nyhan-Doherty, administrative assistant at Spicket River would not be hindered by the the Lawrence Office of Planning and Massachusetts Rivers Act. The greenway Development (and the contact person for the could actually help to achieve the objectives Lawrence Conservation Commission) can of the Rivers Act, by creating a continuous help direct conservation questions to the corridor alongside the Spicket River. appropriate channels.

2 http://www.state.ma.us/dep/consumer/rpa.htm

16 · then National Parks acquired a blanket Part IV: Real World Example easement from the state to all of their rights Jennifer Lappin spoke with the Planning and along the canal. Acquiring an easement for Grant Manager for the Lowell National state owned property requires special Park, Chris Briggs, (978-275-1725) to legislation, which is extremely time inquire about experiences obtaining consuming. Also, laws preventing the easements for the river walk and canal walk federal government from acquiring along the Merrimack River in Lowell. The contaminated land, which many of the following is a summary of their parcels were, dramatically slowed progress.

Conversation:

Despite the similarities in history, Briggs said that 95% of the easements for architecture and development in Lowell and both the river walk and canal walk were Lawrence, the process for developing acquired through donations. For the Lowell's greenways may be very different remaining parcels that were owned by from the path Groundwork may have to private entities, the designation of the area forge for the proposed Spicket River as a Historic District prohibited Greenway. In Lowell, the river walk was development within 20ft of river way; owned by the city for the municipal sewers. therefore, property owners could not Most of the canal was owned by the Historic develop. In most instances, granting an Locks and Canal Company, as well as Boot easement did not entail a financial sacrifice Hydropower. In 1986 the state acquired a for the landowners. large easement from Locks and Canal, which provided them with most of the right Briggs said that creating the greenways of way along the canal, along with required many interactions with the recreational rights and air rights. conservation commission. In hindsight, she wished that the architects hired to construct Briggs emphasized the importance of also the greenway had consulted with the acquiring air rights to control alteration of conservation commission to meet the the bridges that were built over the canals. requirements for waterways licenses. She In Lowell, the National Park oversaw most said that it was very expensive to have the of the development of the walkways, and architect draft plans and then reformulate the

17 plans to meet the very specific design obtaining easements for key parcels. It is criteria required to obtain a waterways our hope that the following license. Briggs suggested requiring recommendations will help in the process of architects to comply with waterways preparing to obtain easements. processing right from the beginning. 1. Prior to approaching landowners, Groundwork should be able to prioritize Briggs also mentioned that she had been and articulate its objectives for each parcel in question. working for the National Parks in Lowell since 1989 and that it has taken 14 years to 2. Anticipate landowner questions regarding liability, safety, property Greenway construct 3.5 miles of greenway. values, tax implications, and perpetuity development can be a slow, but rewarding. of conservation restrictions. communication, March process (Personal 3. To strengthen the permanence of 15, 2003). conservation restrictions, consider having more than one entity hold the fee title and conservation restriction for a parcel. With more than one entity involved, reversing a conservation restriction becomes much more difficult.

4. Develop a sound maintenance and management plan including f greenway appropriate signage, lighting, and security.

5. Communicate with land trusts, other greenway developers, and legal experts to discuss nuts and bolts details of The Lowell Riverwalkprovides pedestrian landowner negotiations and greenway access to historical mills andviews ofthe development. Merrimack River. Conclusions

Recommendations While one purpose of a greenway is to unite of As Groundwork Lawrence continues to scattered natural resources, the process to a develop a vision and a plan for the Spicket creating a continuous corridor involves, and working River Greenway, it will become increasingly certain extent, addressing important to consider strategies for within the existing fragmentation. The Tufts Groundwork Greenway Team studied the

18 Prospective Spicket River Greenway on a parcel by parcel basis, first identifying parcels, then researching individual parcel ownership, investigating contamination, and visiting and photographing parcels. We hope that this field project can contribute to the eventual linking of these various parcels as Groundwork continues its process of moving from visions and maps to an existing Spicket River Greenway.

19 Appendix A GIS Map of Parcels Adjacent to the Spicket River

20 P Lawrence Parcels Adjacent to the Spicket River (Labelled with Tax Assessor Identification Numbers)

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Legend «> ~5UK~.1\ ./*2,·/> ' Merrimack River , /4*-

1 IRWers N Lawrence Parcels . ,#' 0 120 240 480 720 96) Appendix B 1 Database of Parcels Adjacent to the Spicket River

21 BLO AREA «7'-94»'**1'rd'4'6 «r,»-444'r~''4»4»147#ar:, ., 7 . . ~-, MAP. CK LOT' SQ FT. LOOKUPID FULL_ADDRESS , OWNER '. , :lf ... P.ICTO.RE·'195' - V *S: . 66 0 1 NOTES:. 111700 66-0-1-0 6 ISLAND ST FERROUS TECHNOLOGY INC Paae imaae 0002 213:~ 0 12 20800 " 21310-12-0 560'BROADWA¥ - . ANDOVER}OGRAN COY -,:'~." :RF* V'**V,FMYS~*t#244'4*31·ir.<'7,„41:v.2,4:,:~: :,-, -'~~', .'t 213 0 11 28160 213-0-11-0 520 BROADWAY MALDEN MILLS IND INC 213' 04 ' 7- , 11,525 ' 21320-7-0 582 BROADWAY : - MAL:DENLMIEES'IND~INC'3'«.,." f'90,«*'y-,fii"IMU%~)~5'.·' 'fA ~ifd.~iidet:"R;Sab'66t:& 21 CANAL ST '.'-'1."'-72~-: '3': 2 docs, 1 CDEed with no Not sure which deed is right; 67 0 4 40948 30 GENERAL ST 67-0-4-0 (& RIVERSIDE REALTY TRUST image, and this Deed: searched under Grantee' Riverside Ar . .':. 7. : . 7-•--, p «<,.. 9-/-:I- ,.2, .-.'. :,•2,y,. ... .re·-c.:':, ...' ,1\19tbillb:fbdi~d'Ond*'Grante@:3,-v·'*t-f • 86h 4 0., 61 377702 86-0-61-0 7OGENERAL ST .,., GEN CORFHNCO'' , 7 :",1, b : .'2- 4,2- s e'»4,4.'35* GeR bo=*'6r,·sireet-ger*aM ; " 1 "' Nothing fund under Grantee. 87 0 110 40000 87-0-110-0 46 - 48 ALLEN ST LEONARD SCHOOL Leonard, or street: Allen · ' ': LAWRENCE ' ., ' · ··: -.4, r:.ft~f~ *:: 6 ,.: /;'piti.g &15tlijg,fou-n.~nde*f®jee.fi.·~145-7-7 87/ 0. 109 459030 87*109-0 ALLEN ST 2'- REDEVELOI}AENT ~· : 4'· ·:-":.:1,9 -d~#-5*4.Pj.* 55·..: · * L6*Ponca RddePeli' butrion'e fOF Alle#,s i 88 0 84 7979 88-0-84-0 5 BROOK ST ABASCAL CLEMENTE Deed but no image Book: 2950 Paae 35 LLA.L . . ~f ...... 4... 's k. .' 4.. .'--- 2..,1 ''-. 0 -F L< *r' ... -444 }n·'4 , 4-,·- ·2· v,tr•,-*.. -2• s.j_22~5- .,2,'li. S.:6~~Z,'zi<1;i= 8.,m.~.3~93)Pag.eYl?&,4,*9~·i ,¥r£, -~,° I. I 37·HAVERHILL.ST, ·, 9·:- ,-*,~5'.f . .*,.>,4. .,..t Er-:nits'*t ·t. G'ranteeKThirty Seven Haverhill Street: ~. 68· 4.09, 944. 2489'-9 '· 88-0-94-0' 37 HAVERHILLIST· I"i REALTY TllusT r., ...... Deed but noimage:mt'. ..3: Eidalty>FAStl'·,ACE.P '46-,4'~14 :..0.· 88 0 89 1700 88-0-89-6 UNION' ST N/F VENTURA G .. ''U: :....¥:, ::...., ...:p ·. v, ,; 'Llothing umdqf,:gra,n.t@EA·~40,4·,~'9:*A*: 87. t, 6-,' · 104· 904642" 87-O-104~64 37875 SUMMER ST '... VACEBR-061<' ASSOCIATESM; 1-,4,9'·t , 1',t :ASRS*Y~4 ~u~~~~ ~9Si Book 3296 p 244--Listed as 88 0 83 121100 88-0-83-0 REAR BROOK ST COLEX REALTY TRUST Deed but no image 45R Brooks and not 8~~Y 0'**h 1,8t.st '12860* 8910118-0;* 71j-173:SBOOK{B'1%~ "Rear" CASAIBGEB*ROO*~fa* Ra*tih~*R~318~*** '86~545-8*165*1~****13~- 89 0 17 16696 89-0-17-0 79 - 81 BROOK ST GIUSEPPE TORRISI TRUST Page image 0252 Book 4440 p 252 8947' 0.'1* 191- 10380,4 894,0119-01* REAR{BROOK:ST-#ASK.44 1*WRENCE&61/,SE.fl*88„1 flE{***;Sim~*,~4* limat*.8*6'11,11***f*W*82~*444 Search results were unclear: no $, 109 0 57 5606 109-0-57-0 215-227 NEWBURY ST FACELLA SAMUEL 109*5 059# 58*¥5 41'960'424 no deed picture, no exact address 10940458:46: BROOICSTIA:3*'*4 EACEIfl*5*1~81£*0*12.*,~. ~.04*YM&**W,#~0*.4'.~. 109 0 h#*ad«lia#****t**18¢*294 82 6888 109-0-82-0 179-183 JACKSON ST YOUSSEF ERNEST -MD://www.lawrencedeeds.corn/CRIMAGES/04279/0054.tif 109,» 0 4* 7212 10685„k 409-0472fot 2,,2*Brka SCIACCALEACRAfL341854/tr 55.httorn#W*laWri@84%41228mdem,MAGE&10597470'f,18\.tifi*ii.B»*%- JADA ANDREWS 109 0 71 9597 109-0-71-0 8 AVON ST FAMILY TRUST V*.h *. '*.p7 .-HM * .http://www.lawrencedeeds.corn/CRIMAGES/05715/0012.tif 109·: 0'4:* 70. 37:42>~'. + 16936-76-6.37717 AVON ST.-'···:.IV ESTEI:t:R & D'J/R: .,,:1·· : st·:5 ··=,4 ,%.*.2':it·,·d-f :E no,deSd-6riline 6+7.2/»BIE'A ':d::,-('41>,,, 109 0 69 3263 109-0-69-0 2 AVON ST SHARMA JUGAL K htto://www.lawrencedeeds.corn/CRIMAGES/04751/0130 tif 108 0 91 8263 108-0-91-0 169 - 171 JACKSON ST CUEVAS 1291/ REALTY TRUST http'//www.lawrencedeeds.ccm/CRIMAGES/04597/0213.tif 0'·r 89 ~ 20683:31 429-0-89-0- ERVING~AMEC:»6*r UAWRENGE'CITWOE.OF*$40*.htto?89**:'Ididii668668*f€§816I@Bf6315 6ded@de#Sm#24t'.#...4.~:4.*SM NOTE: # 172 Lawrence St MARY IMMACULATE 129 0 3 2725 129-0-3-0 was sold to City of Lawrence 174 LAWRENCE ST N HOME http://www.lawrencedeeds.cc 1,49« 0:»730 11206 - 1,49#73«07 by Mary Immaculate Home ERMING>AVE'*·>86»x»'4 LAWRENCECIm¥,OF./f:UiA~*Pt *11#*,f:#E*V*#4,*1*St'~*159**Gt,0*66'W99:01890*4#'-4 SPICKET RIVER 149 0 74 14180 149-0-74-0 ST (SOUTH) LAWRENCE DITY OF SPICKET RIVER. ·*u'\1'·~ V#Li»~e...te 170 T 0(. 1531' 12675.-- 170-0-153-'0 .·'m4--, FLOWAGE. ': .-- LA*R~CE Clis~8; - ''):5'-;~~'.*.Jit~*Z - 6*:1~~** **87;*...'.-~~~291. : "E:y: 4 170 Owner had properly taken 0 7 3200 170-0-7-0 7 SPRUCE ST MATOS ENR QUE by 17094 btlp://www lawrencedeeds.cc Bank Of America, 2001 030 8*':' · 5060¥. 11 1 704:8:05': 55SPRUCE:STfS:6** LIKAA+VIGTORABS@elet:~*'-~2*~~4*~#M.i&*r**W

170 0 1 4650 no deed for 37843 Willow. 170-0-1-0 37843 WILLOW ST TAVERAS MARIA E - http://www.lawrencedeeds.cc Deed shown for 8-10 Willow 192.. 0 .. 7 42 3391:"'. 192-0-7-A : 534'BROADWAYr,-6- - MAUDEN MILIS{INDING,05,# httot//wEA.lawr;Rced*1ds,~tt0il~,B~P,1,931:9,550,BETOADWAY.K'41* 192 0 7 27050 192-0-7-0 534 BROADWAY MALDEN MILLS IND INC Deed, no image Book 3334 p 202 '. 6 0!RST·ESSEX>,s . ., i:,I: .MT :292)=R»#·fij:>5··* I .11 192·~ 0- 9 16960, 192-0-9-01 555 BROADWAY·.i SAVINGS ff--'» §«@iM*:@4467*1%'6445,6 BANK C n ' -'* [Deed not found 44*·59.0 -:':'-"'I'..T :,., 531-537A 192 0 10 2412 192-0-10-0 BROADWAY different booldpg # B S REALTY TRUST Paae imaae 1923'> 0£4' 2915 11 025* 192-0-29IOR 0066 than in assessor dbase 75'HOL'11)95#7*%1?*24'4. RKM*FROST#.4*68«f*th.M&~* Pdqeiffi~elm*VG*21#9441 192 0 33 5266 192-0-33-0 *~MWim,dAYpMgRMWJ41Nt*W*1'*A&4.9PPMT DAISY ST (REAR) RKM TRUST see above 192*1040 3415 I6259:24. 192:0434:0 ' 5:DAISY·,ST,-3,".'**»' - - RAVEENKBy?JOFINWL*ift/,91~. De»edfi*Trarf'd18.**SIA# *3T#it,M.*1,,„M.~,~~:Wi;/EN*ZA.~ZAr*0 CROWN LINEN 192 0 28 17265 192-0-28-0 81-83 HOLLY ST SERVICES INC 192& 04f* Page image 0338 56'7 1O1632Y. .192<0-56:04 DIVISION~STL.4#1**,», VJD)M:REALd.TMT:8,08*Tal/~AV.Obeamblima,~el#Vt#*,Brm.*##BE.~858ftS~'05*.i~E~ 192 0 38 3920 192-0-38-0 22 SPRUCE ST RODRIQUEZ JOSE M Deed, no image 19291 6)9 37:8 38004% 192-02370-4 book 4046 p. 255 18'SPRUCES]*$86,01 TAFIA*ABBAEL,AH)B'Vt#%17%,4%* *F,A:1*nde'6YA,88%*BU9~0g~F 192 0 g~RA,mmamb*4gp,qvpW*URBqM$Q1~,3 36 6000 192-0-36-0 14 SPRUCE ST ZAMOT JUAN A 192* Paae imaae 0092 0** 55:% 8848-64 :19210-55ZO') 34~WELLS:ST»g>35> ST*PIERRE(*f*.8,66d~#16'Eit~S~ ~*8***mM~!*Rm*r~8~4%E GREATER LAWRENCE 191 0 30 100400 191-0-30-0 510 BROADWAY PROPERTIES '4:v- 1 * . .3. a'. 9*: Deed not found f ' ....3-:-:.'9: v -,#r' ,-*'.'.'. -It:*9' CAWRENCEGENERAL- , 'b:':. '3.n(.«7' ,-1-M 0 --'1 i 452153' 68-0-1-0 4 1 GENERAL ST r,F«-*fs,s~..454-:r , »'11*5=,-~it,Orff@8* HOSPITAL -US 9 -- ..'-' DAB·not-found.: 2. . ' 9.4 149 0 75 34852 149-0-75-0 ERVING AVE LAWRENCE CITY OF Page image 0124 not sure 66/ 5 0 ' 6 0 92690 . 66-0-6-6. OFF ISLAND ST%4 .. SANITARY DIST,, 15-·S' ..'H:'- Deed notffound* %9·.'~.6.'si %*~i# 67 0 6 137654 67-0-6-0 CANAL ST ~30&1US~~EVit., 247 LAWRENCE CITY OF Paae image 0246 mortgage for 21 'f»% *45'Lf.*49.»~1,fs {68*rS<.'m f].1~'463, 3%61,6*:FL2*5 44&

108 0 87 21850 108-0-87-0 (& JACKSON.ST)' r·,:. LAWRENCE.61-1:YOF. 'L ,,p'~·Deeill·riot·faund, ©?.A~4,65* 212 0 3 254238 212-0-3-0 85 E)41>4,54,y #4:0~2~3~5!/44.791<><,r·~~·..:44,&.;. 50..::38,· s.*5'-'·,{I'-5 . r.~4 ~ MANCHESTER ST OGDEN HAVERHILL PROP IN( Paae image 0143 mtg for 85-91 Manchester street. BK 5458 PG 16 MASSACHUSETTS QUITCLAIM DEED

We, Estela A. Casal and Maria DeLos Delores Casal, of Lawrence, Massachusetts, for consideration paid, and in full consideration of Less Than One Hundred Dollars, release our life estate in the property known as 71-73 Brook Street, Lawrence, Massachusetts to Gerardo Cage and Joseph Casal, , of Lawrence, Massachusetts, with quitclaim covenants the following property in Essex County, Massachusetts.

A certain estate situated at Nos. 71-73 Brook Street, Lawrence, Massachusetts, and land rear of Brook d:96 Street, and bounded and described as follows:

A certain parcel of land with the buildings thereon, situated in said Lawrence and bounded and described as

N Northerly by land ofthe Essex Company, ninety (90) feet; Easterly by land ofGustav A. Weigel et ux sixty-seven and 30/100 (67.30) feet; 17 Southerly by the northerly line ofBrook Street ninety and 30/100 (90.30) feet; N Westerly by land now or formerly ofKrean seventy-five (75) feet.

The southwest corner of the granted premises is at a point in the northerly line of said Brook Street, two hundred eleven and 5/10 (211.5) feet east of its point of intersection with the easterly line of Newbury Slreet.

Also, a certain parcel of land in the said City of Lawrence subject to the conditions and restrictions hereinafter set forth; said land being bounded and described as follows: JUN 10'99 £%8 Beginning at a point in the line of demarcation between the properties now or formerly of Wilfred Dress, Carmelo and Frances Privitera and City of Lawrence, said point being distant northerly 75 feet from the northerly line of Brook Street, and being the southwesterly corner of the premises hereinafter described; thence running in a northerly direction by land of said Wilfred Krean a distance of 67 feet to a point on top of the bank of the Spicket River; thence running at an interior angle of 98 degrees 16 minutes and running in an Easterly direction by land of the City of Lawrence a distance of 90.89 feet to a point on top of the bank of the Spicket River; thence running an interior angle of 84 degrees 46 minutes and running in a southerly direction by land of the City of Lawrence a distance of 79.78 feet to a point; thence turning an interior angle of 90 degrees 12 minutes and running in a westerly direction by land now or formerly of Gustav and Emma Weigel a distance of 90 feet, more or less to the point of beginning.

The southerly and westerly lines form an interior angle of 89 degrees 68 minutes and the easterly and westerly lines are parallel.

The above described parcel containing an area of 660 square feet, more or less, and is part of seven lots of land conveyed to the City of Lawrence by Arlington Mills by deed dated May 11,1924, and recorded in the Northern District of Essex Registry ofDee(is on July 14, 1924, in Book 502, Page 505 and aforesaid lot of which the parcel conveyed hereby is a part being described in said deed as Lot C.

The conveyanceis made subject to all the conditions, restrictions and reservations in so far as thesame are still in force and applicable.

Being the same premises conveyed to the herein named grantor(s) by deed recorded with Essex North District Registry of Deeds in Book 4907, Page 30. 1 BK 4271 PG q F#,dase Return To: James Landy, Esq. MA 237 Essex Street =yofL.wrm-, Lawrence, MA 01840 HOME hogrim Tel. (508) 6894690 Mort®000 ~

Name mdAddiess r

1. BACKGROUND AND GRANTING CLAUSE mid 00/100 Dollars {51.860.00) (the BorowerizidebtedtoLenda bitheprindpal suinciOn• Thmts#ad Eltht Hundrd Siztv ... -'2 80,rowers Pr(mimly Notedeven datcherewith (the 'Nde').providisfortherepaymmt offhe L ' . I...... TO SE(XIBE to L ' " -.. COVEINANrS. upan the STATUI-ORY Mogtgage. Borower doca bercbymo~gas~. sru*, Emd cmvey to Imder. with MORTGAGE logied in the Camty cf Emex, CONDmON md with the STATUTORY POWER OF SALE the follevbg desaibedpropaty as monpartiallarly deactibed,m f #Mass•chn tls.tich has address of 254 Jacimen Stnat . (the "Property A~-M). E)dlibit A attached -

I...... ' i feal propaty. md all fixtures, easema#s, riE*is, ~, TOGETHER with „ ' :allorue;biuhallbedeemedamdraismapattofthepropitycovacdbythisMoIta,4,; eadallithe fmtom85.=wa sail mal prcpaty ' .Propaty. .y , Emnt end ocmwy the - r -.- · ·y and bdwem the Bmowermd Graystone Mortmm ~ Propaty.=dthm the Pkpaty - , L, - - ' -y thetitte of the Prfaty agamstall daims md d-nds. Ca (dic 'Senior Mcitgage" ). Boir<,wa , i m:kaecttomcmbrmomorrecoa

2. COVENANTS

B(xrower govmalls md agrees as fdows 1. *iymmt , the Bom~ver shall upay to the I . - · tr#~F-s the Propaty beforethe- n .._ -versmy Lcndef m amount as calculged -da lhe Noc

Condtdon of Propro 2. to be abated any end Mall, to ocaiponcy oflhe Propaty. abstc or cause Bosower me year aner thedde haeof. all hmith aid safdy dieds md icad-based paint ha=ds i the Propaty. B ' 11. within af rbe Ulited Stab rancdy or causeto be remedied any violatim ofthehousingquai:y sunda:ds Bet fo,th in the regullims mdthe City of Lammds Dep=tmmt of Houalisand IJA,=, Devdopmenia 24 CFR §882.109 or my succesaN res,laims inap«*lhe Prope:tyfromtime to ~ HOME Rehabili~ion Sumdards~ Lender shanhavethe rii*t.punuant toparagraph 7 below.to time to vaify compliance by Borrows with the frni,*:s

Morts»:=; aurges; U- 1 Rier to make Bormvcr diallp«fown 211, - .... - . mciuding Boirr#¥ch oovmsms md imposijans paymentswhen (hz Borrowersitallpay or cguacto bepaid *11 taxes 18 stld other dtill/"41/Res . .. ifmy. ./Abubddetoth®Prope:ty"bid,mayatta~ aprk•*y .. -

4 1-rd I ~ shall 1 .'. witing or hs,after sected I the Fropeny mmized as/14 100 by fire, hazmrds Actudd I,cmdamay ~ ' . subjedtothetenns andconditici:s of the Semi,i wilhtheterm 'coden,~dcovenes," md su,h periodsas Mitple An' .Lmder. Lmde, shall have the or other security agreement will: a ben whid: ri# to holdthcpolicies mdrencwals themof. subject to the tams of imy motgap 2~ hmp:imity ovu mis Mortfs= 1- - BK 4615 PG 24E

City of Lawrence, MA

HOME PROgram 1 Mortgage Name and Addiss of Borrower 1 LIZing£»el 168 lack#on Street ~ ~ I=wrenc£ MA 01841

This Mortgage is made this 22nd day of October. 1996 by and between WilnerAhel as Borrower and the City of Lawrence,-a municipal corporation in the Commonwealth of Massachusetts, acting through its Community Development Departmentwith mailing address at 225 Essex Street, Lawrence, Massachusetts 01840 as Lender.

1 BACKGROUND AND GRANTING CLAUSE

I Borrower is indebted to Iznder in the principal sum 0£TmnIhm=andhurliundmdEix:yand 04~1#8 Dollars (52.460.00) (the "Loan") which indebtedness is evidenced by Borrower' s Promissory Note of even date herewith (the JNote"), providing for the repayment of the Loan under certain conditiana and providing for other conditions vf the Loan.

TO 1CURE to Iknder the repaymmt undi the Note and the perfolm==of the covennits md agreements of Borrower contained in this Mortgage, Borrower does hereby mortgage, grant and convey to knder, with MORTGAGE COVENANTS, upon the STATUTORY CONDITION and with the STATUTORY POWER OF BALE the following described property located in the County of Essex, Commonwealth of Massachusetts, which has address of (the "Property Address"), as more particularly described on Exhibit A attached hereto;

TOGETHER with a]1 lhe buildings and improvements now or hereafter erected on such real property, and all fixtures, ieasements,_rights, licenses, appurtenances and rents, all of which shall be deemed and remain -a part of the property covered by this1!ortgage; and all of the foregoing, Bgether with sail 1 real property are hereinafter referred to -as the "Property."

Borrower covenants that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and conveylhe Property, and that the Property is unencumbered. except for that certain mortgage by and between the Borrower and People's HeritaBe Mofitgrase COEB: fthe "Senior Mortgage"). Borrower warrants and covenants to defend generally the-title of the Property against all daims and:demands,-subject to encumbrances of record.

~ 2,-CQMENANB OCT 23'96 ; Borrower covenants and agrees-as follows: ir

1. Repayment In the event the Borrower sells or transfers the Property before the 811-anniversafy of the Nok, the Borrower shall repay to the Lender an amount as calculated under the Note. .1 - BK 4438 PG 5~

I, SAM R. BENIGNO, of 516 Broadway, lawrence, Essex County, Ma=achusetts, being omorrid, for consideration paid $ 215,000.00

grant to MALDEN MILLS IND[STRIES, INC., a corporation with a principal place of S business at 46 Stafford Street in lawrence, Essex County Massachusetts

vvith quitgtalmt rou/112%/1 that certain parcel of land in lawrence, Massachusetts, with the building thereen lil•*=11~I[ Shotm as Lot: B ona plan entitled "Plan of Land in Lawrence, Mass. prepared for International mlephone & Telearaph Corp., scale 1" • 30', dated July 21, 1983 and revised Noventer 3, 1983~~@S~*~~*11~~~*~~* by Cyr Ehgineering Services, Inc., 300 Canal Street, lawrence, Mass." (which plan is recorded 11/28/83» situated on the westerly side of Broadway and further bounded and described according to the I

01841 plan as follows:

MA by Broadway, 227.57 feet;

EASTER[X soun=ux by Lot A as shown on said plan, 103 . 22 . feet;

lawrence, by Iot A and by a private way, 31.06 feet; SOUIHWESTER[ar

WESTERIX by the private way and by land now or ~ formally of Thomas Realty by two courses,

70.82 feet and 145.02 feet; and

Broadway,

NCEllm(IN by the northerly side of the visible base ~ 530 wall on the southerly of the retaining side of the Spicket River, 102.58 feet.

Said Lot B aontains 26,338 square feet of land more or less together with the ~ right to use said private way extending over Iot A and over other land to Lake Street, premises; rights, for in comIon with the grantor and others to whcgn the grantor might grant No other rights, express ~ of passage to and frum Lot B by foot and by motor vehicle. or inlplied, are granted aver said private way. No rights, express or implied, are reserved by the grantor in Lot B. Said Lot B is subject to and has the benefit of (as the case may be): reference in the February ~ Address (1) the matters set forth and incorporated by 10, 1983 deed of Arlington T*ust 00[*any, Trustee, and Max Goldstein, Ttustee, to International Telephone and Xlegraph Corporation, recorded in Essex North District ~ Registry of Deeds in Book 1644, Page 244, said Parcel One being a portion of the premises conveyed by said February 10, 1983 deed; (2) rights or claims of parties in possession and easements or claims of ~ easeDents not shownby the public records, boundary line disputes, overlaps, 5~ encroachments, and any matters not of record which ~uld be disclosed by an accurate survey and inspection of the premises; f

BK 5345 Pa 100 gUITCUIN DS=) inm/Vnral)-

nur 4 n,"84, 1 20,",4

I, VN#,•*n Co-* ORocl#*IM.H=v** .-*.d-lilli.k-*..4*.*n--1-H.. ($7#.M-Uk=

...s . *I K 11.,Im& MV -I,Wei 6568

,0-10 Willow #troot, Lawn=a•, Coont, of -s•z, ms,aahusite, de quitclaim oo,•mants

'I. 1,-i U j.""/Il-, "Il- - lili mU'. 0-lit 0* 91 *1. -ill'll,"-- d th. Cit'.0 U-""00 W. -- h./ -4--4 - * -* * W.W. Ca~at aa-' 0~t~/b/ 15. 1.3. "d ='.."'hi ** I.. -0~ -"U .i,"0g„- m.'04".;.7 1 B.lil., =U le. U

millb=$10 at th. 9 d Zat M - mild ,1,4 - lill- ~tz-t. thm- Ia/t=ly

lav-, th-- h -U ...U --/ d.-*t- M) 2~-,--- 1-~, - .u... 3**N,U'*'tb.a--

.,2.0 .2. - ."'.IA#'- 0....,0 - - . I'""d . 2a'laa' 0,"Ill,li:*0 4.1- militdi= 12. 1ND I,d ili,lild ¥8* mal II,Bstil •~ Dis~ at moh len. N~ li.. FEB 22 '99 ~11:03

'1 Iohm«*=im•[fs) •1*imh-/F•brm•>U999

LAT#*a 5)» Un= 11

./ I A

THE COMMONWEALTH OF MASSACHUSETTS F--, Il. 19~9

1hm,voo~y *p-d labm-n,d Timoey; 71 ** d I f~00•~ --st ...... ad/4 *-m,

C 1-1,£4. Clwj 4/9/1py'//itr - J *co-Glm alpi'.£

|-6ANIEL-VUYCKERE--~ -11 ~ 1~ NOTARY PUBLIC MASSACHU8ETTS N,Cosm#,0 ¢lu" 4-,62005 4 P -ZJ I -- 1 - I m \ \U BK 6209 PG 291 QUITCLAIM DEED

We, Gabriela Matos of Lawrence, Essex County, Massachusetts ~

for consideration paid in the amount of One Hundred Twenty Five Thousand Dollars ($125,000)

grant to Enrique Matos d f 9-5 p ru*. S-1~ , Uus)ere< , .£44 JUN 21 '01 P)13:2~ with Quitclaim Covenants

The land in said Lawrence, with the building thereon, situated on the Easterly ~ side of Spruce Street, being Lot 91G, on Huse plan, more particular bounded as follows:

NORTHERLY: by land now or late of Eugene A. McCarthy, 80 feet;

EASTERLY: by land now or late of McCarthy 40 feet; SOUTHERLY: by land now or formerly of Josef Smitka, 80 feet; and 1,1

WESTERLY: by Spruce Street, 40 feet.

Being the same premises conveyed to the grantor by deed of N.1Ader Matos, dated February 10, 1992 recorded at North Essex Registry of Deeds, Book 3402, Page 50.

-. Witness my hand and seal this day of June, 2001 li' 3 ,.~,~6,, ~~~~ < . S 40 'Ul -1

Gabriela Matos Clarr o w 0 / 0

- .,2 j VIIN~ r 1-}i'* STATEOF FLORIDA <1*s June /2,2001

Then personally appeared the above-named Gabriela Matos acknowledge ~ the foregoing to be her free actand.deed+efore me. \ r-_-6~fCZAnilf5fAl 1 Of no,tr,A~ INODZ:gh{15810*~~Art NO, 000579" 42~2622\ uy COMMIEENEZ----- Note« Public Return To: LOAN # 6140283521 CA7-701-02-36 /7 BREA POST CLOS I NG 29 / ~ BANK OF AMERICA - NPC BK 6209 PG 275 VALENC I A AVENUE PO BOX 2334 BREA, CA 92822 Prepared By: LAURETTA HUFF BANK OF AMERICA. N.A. 200 S. COLLEGE ST. CHARLOTTE. NC 28255-0001

[Space Above This Line For Recording Da:.1 MORTGAGE LOAN # 6140283521

DEFINITIONS

Words used in multiple sections of this document are defined below and other words are defined in Sections 3, 11, 13, 18, 20 and 21. Certain rules regarding the usage of words used in this document are also provided in Section 16.

(A) "Security Instrument" means this document. which is dated JUNE 20, 2001 20378 together with all Riders to this document. (B) "Borrower" is ENR ICUE MATOS 1

Borrower is the mortgagor under this Security Instrument. (C) "Lender" is BANK OF AMER ICA, N.A. 0<,„Ti #Un £2 < ..#'UY. Lender is a NAT I ONAL BANK I NG ASSOC I AT I ON SM3: organized and existing under the laws of THE UN I TED STATES OF AMER I CA 1 MASSACHUSETTS - Single Family - Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3022 1/01

*6(MA (0005) RB 1 of /5 Initials<- - L CVMA 06/19/01 12:41 PM 6140283521 VMP MORTGAGE FORMS - (800>521-7291 iiimiimi iiijii HI iiiiii Iiii iiii Iiii fl Kiox, 360&,0 BK 4936 PG 14~ Adiv';l,Au,REH51'*•D'· 4 P =% City of Lawrence, MA

' HOME Program ~

Mortgage ~

Name and Address of Mongagor:

Mary Immaculate Health/Care Services 172 Lawrence St. Lawrence, Massachusetts 01840 1

This Mortgage is made this 6th day of November. 1997, by and between Mary Immaculate Health/Care Services, a Massachusetts not-for-profit Corporation located at 172 Lawrence St., Lawrence, MA (-Mortgagor") and the City of Lawrence. Massachusetts, a body corporate and politic, with a mailinI address of City Hall, 200 Common Street, Lawrence. MA 01840. *tinil by and through its Community Development Department with mailing address at 225 -Essex Street, Lawrence, Massachusetts 01840 (~Mortgagee"). JANSSBMI '

Mortgagor is indebted to Mortgagee in the principal sum of FIFTY THOUSAND ~ DOLLARS ($50,000) (the "Deferred Loan")which indebtedness is evidenced by the Promissory Note and Loan Agreement of the Borrower both of even date hemwith; Mortgagor's obligations with respect to provision of affordable housing is set forth under tile Affordable Housing Restriction of even date (collectively, the "Agreements"). The Mortgagee is providing Mortgagor with the loan proceeds to finance the substantial -rehabilitation of the Premises. ~ This mortgage secures the W*8 repayment of the loan proceeds under certain conditions and provides for other 4,/!/ conditions of the Loan and continued use and occupancy of the hemises.

TO SECURE to Mortgagee the commitments under the Agreements and the performance of the covenants and agreements of Mortgagor contained in this Mortjage, Vortgagor does hereby mortgage, grant, and convey to Mortgagee, with MORTGAGE COVENANTS, upon the STATUTORY CONDmON and with the STATUTORY POWER OF SALE the following described property located in the County of Essex. Commonwealth of Massachusetts, which has an address of 172 Lawrence Street, 1*wremee, Massachgsetts and (the "Premises").

TOGETHER with all the buildings and improvements now or hereafter erected on such real property. and all fixtures, easements, rights, licenses, appurtenances and rents, all of which shall be deemed and remain a part of the Zproperty covered by this Mortgage; and all of the forelioing, together with said real property are hereinafter referred to as the -"Premises." CA BK 5525 PG 12, = ~ COHEN LAW OFFICES, P.C. 873 TURNPIKE STREET City of Lawrence, Massachusetts (14.0 NORTH ANDOVER, MA 01845 HOME Program MORTGAGE

AD 4~ 11V, 1 Name and Address of Borrower: Maria Hilton 237 Ervine Avenue Lawrence. MA 01841

This Mortgage is made this 31st day of March, 1999, by and between Maria Hilton as Borrower # and the City of Lawrence, a municipal corporation in the Commonwealth of Massachusetts, acting through its Community Development Department with mailing address at 225 Essex Street, Lawrence, Massachusetts 01840 as Lender.

1. BACKGROUND AND GRANTING CLAUSE Borrower is indebted to Lender in the principal sum of Two Thousand Forty and 00/100 Dollars ($2,040.00) (the "Loan") which indebtedness is evidenced by Borrower's Promissory Note of even date herewith (the "Note"), providing for the repayment of the Loan under certain conditions and providing for other conditions of the Loan.

TO SECURE to Lender the repayment under the Note and the performance of the covenants and agreements of Borrower contained in this Mortgage, Borrower does hereby mortgage, grant, and convey to Lender, with MORTGAGE COVENANTS, upon the STATUTORY CONDITION and with the STATUTORY POWER OF SALE the following described property located in the County of Essex, Commonwealth of Massachusetts, which has address of 237 Erving Avenue, (the "Property Address"), as more particularly described on Exhibit A attached hereto; TOGETHER with all the buildings and improvements now or hereafter erected on such real property, and all fixtures, easements, rights, licenses, appurtenances and rents, all of which shall be deemed and remain a part of the property covered by this Mortgage; and all of the foregoing, together with sail real property are hereinafter referred to as the "Property." Borrower covenants that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for that certain mortgage by and between the Borrower and AccuBanc Mortgage Corporation (the "Senior Mortgage"). Borrower warrants and covenants to defend generally the title of the Property against all claims and demands, subject to encumbrances ofrecord.

2. COVENANTS AUG 16'99 PK Borrower covenants and agrees as follows:

1 Repayment In the event the Borrower sells or transfers the Property before the 5th anniversary of the Note, the Borrower shall repay to the Lender an amount as calculated under the Note.

2. Condition of Property -. BK 4597 PG 21*~ \0 v N QUITCLAIM DIED

We, Paul J. Nicolosi and Angelina M. Nicolosi, Trustees of the ~ P. J. Nicolosi Realty Trust, U/D/T dated December 14, 1990, recorded at the North Essex District Registry of Deeds on December _ 17, 1990 at Book 3199, Page 89, of 48 Miller Strect, M/thuen, Essex ~ County, Massachusetts, for consideration of ONE HUNDRED TWENTY I THOUSAND ($120,000.00) DOLLARS, grant to Jose Cuevas, Trustee of the Cuevas Rialty Trust, U/D/T dated September 4/, 1996 and recorded immediately prior hereto, as Instrument Number 24*44 , d with QUITCLAIM COVEHANTS, the following parcel of land, bounded and i 4 described as follows:

The land with the buildings thereon, situated on the easterly i ~ side of Jackson Street, Lawrence, Essex County, Massachusetts, and being shown as Lot 1 on a plan entitled "Plan of Land located in ~ Madsachu < Lawrence, Mass. prepared for Paul J. Nicolosi, dated Feb. 4, 1986, > recorded with Essex North District Registry of Deeds as Plan No. ~ 10472, bounded and described as follows: SEP 24 96 ml SOUTHERLY 70.70 feet by Jackson Street to the Lawrdnce, bound of lot 2, according to said ~

northwesterly plan; thence, et, EASTERLY 121.14 feet by the northerly bound of lot 2 to . a retaining wall at land now or formerly of 5 Moly Crces Armenian Apostolic Church, according ~ m 4 to said plan; thence, NORTHWESTERLY in two courses, partly by said retaining wall ~ r- 0 . and land now or formerly of Holy Cross Armenian Apostolic Church, 111.97 feet and 5.00 feet to Zl River; and, 0e -r. a point located at the Spicket CO .4 thence, SOUTHWESTERLY 68.29 feet by the Spicket River to Jackson A. e Street, the point of beginning. Containing 8,263 square feet of land, more or less. Being part of the premises conveyed to Paul J. Nicolosi and Angelina M. Nicolosi, Trustees of the P. J. Nicologi Realty Trust, by deed dated December 14, 1990, recorded at the North Essex ~ Registry of Deeds in Book 3199, Page 96.

~itness our hands and seals this ~1/j*~day of September, 1996

/72*46« Witness I 6-P:)9 J. 1«colosi, 1rustee C - r . 7.* 1/1 - Lr U.MAVPJA/LAIAL, vil· # lA-0 81.0-AJ-t._1 Witness An~ina M. Nicolosi, Trustee 844 6. 511/6.4 , BK 4751 PG 130

QUITCLAIM DEED place of*usiness located at niE FIRST NATRONAL BANK OF BOSTON, with a vsual 125 Cal*bridge Park Ddve, Can*sidse, Massachusetts 02140

of TWENTY-TWO THOUSAm) AND 00/100 for consideration paid, and in full consideration ($22,000.00) DOLLARS

grants to JUGAL K. SHANNA, INDIVIDUALLY, 2 Avon Street, Lawrence, MA

with QUITCLAIM COVENANTS

To wit: in Lawrence, Essex County, A certain parcel of land with the buildings thereon situated Massachusetts, -bounded and described as follows: (46.38) ~et; Northerly by Avon Street, forty-six and 38/100 E. Murphy, Westerly by land now or formerly of Margaret ninety-nine and 34/100 feet; over same, fifty MAV 13 '97 AM10 Southerly by the Spicket River and bridge and 61/100 (50.61) feet; and and 8/10 Southeasterly by East Havextaill Street, sixty-seven (67.8) feet rights, restrictions and premises are conveyed subject to and with the benefit of easements, Said are now in force and applicable. agreementsofrecord, ifany them be, insofar as themame recorded with said Deeds as Instrument For title see foreclomire deed dated January 6,1997, and

SACHUSETTS on January 22, 1997. No. 1570 at 1:25 P.M., at Book 4677 ,Page 136 , and does not constitute is made in the usual coune of business of the Grantor pl This conveyance of all of the asaets of the Grantor within the Commonwealth a sale of all or substantially Massachusetts.

LAWRE has caused its corporate seal to WHEREOF, The First National Bank of Boston IN WITNESS and delivered in its name and be hereto affixed and these presents to be signed,«acknowledged hereto duly authorized this 7th day behalf by Lorre L. Lettman, Designated Signer, and STREET, one thousand nine hundredminety-seven.

of April ,-in the year

AVON

~~L 1 11994(RK Lorre L. Lettman, Massachusetts Deed Excise Stamps in sum of $-100.32

ADDRESS: affixed and cancelled on thil

instrument.

~RTY eTATY; nu m ARTDA , BK 5715 PG ~, QUITCLAIM DEED ./. fill' I, JAMES ANDREWS, of Lawrence, Essex County, Massachusetts,

in consideration of ONE ($1.00) DOLLAR, grant to ~

James Andrews, as Trustee under the instrument of Trust, entitled the JADA Andrews ~ ~ Family Trust, 8 Avon Street, Lawrence, Essex County, Massachusetts, created on March 15, - 2000, and recorded at the Essex North Registry of Deeds, contemporaneously with the recording of this deed,

with quitclaim covenants MAR 31 '00 Fwi~ Two certain parcels of land with the buildings thereon, situated in Lawrence,

FIRST PARCEL: BOUNDED and described as follows: Beginning at a point on the ~ southerly side of Avon Street one hundred thirty three and 25/100 feet westerly from the southwest corner of East Haverhill and Avon Streets to the east line of Albion Street as laid E. out on a plan of A. Durant, recorded in Essex North District Registry of Deeds, thence southerly one hundred feet by said east line of Albion Street; thence turning at a right angle and running easterly fifty feet thence turning at a right angle and running northerly one hundred to Avon Street; thence turning and running westerly fifty fcct to the point of beginning. Being the same premises conveyed to James Andrews and Dora B. Andrews, as joint tenants, by deed of Carlo Champy and Madalena Champy, dated August 7, 1950, and recorded at the Essex Nonh Registry of Deeds at Book 739, Page 313. The certificate of death for Dora B. Andrews, who passed away February 26, 1996, is recorded herewith.

SECOND PARCEL: Bounded and described as follows: Beginning at a point in the ~ easterly line of Albion Street as laid out on a plan of lands of one A. Durant, and recorded in North Essex Registry of Deeds, distant one hundred feet southerly from the southerly line of ~ Avon Street; thence running easterly and at right angles with said Albion Street and parallel Lawrence, the line of the Spicket River; thence with said Avon Street about eighty feet, more or less, to following the line of the said River to a point where the easterly line of said Albion Street j• intersects it; thence running northerly by the said easterly line of Albion Street on hundred

Street, feet, more or less, to the point of beginning. Containing 4,597 feet, more or less.

Avon Being the same premises conveyed to James Andrews and Dora B. Andrews, as joint

8 tenants, by deed of Carlo Champy and Madalena Champy, dated August 7, 1950, and

recorded at the Essex North Registry of Deeds at Book 739, Page 312. The certificate of death for Dora B. Andrews, who passed away February 26, 1996, is recorded herewith.

ADDRESS: Witness my hand and seal this 31st day of March ,2000.

9214/,i 4 L-1/4'

PROPERTY J*fes Andrews 0 al @1 -I O 4- BK 5973 PG 11 SOVEREIGN BANK

MORTGAGE (For use in CT, MA, NH, and Rl)

Principal Loan Amount: U.S. $: $ 5.000.00 Maturity Date: 12/30/2005 Property Address: 2 ALBION ST. LAWRENCE. MA 01841 Borrower(s): LAURA SCIACCA

~ ~~~ Borrower's Mailing Address(es): 2 ALBION ST LAWRENCE. MA 01841

THIS MORTGAGE is between each Mortgagor signing below ("Borrower") and the following Mortgagee ("Lender"): Lender's Address for Notices: Sovereign Bank P.O. Box 1478 15 Westminster St. Providence RI 02901-1478 TO SECURE to Lender the repayment of the indebtedness evidenced by Borrower's note in favor of Lender in the Principal Loan Amount set forth above, which note was dated the same date as this Mortgage and is due and payable in full by the Maturity Date set forth above (the "Note"). together with interest thereon and all renewals, extensions, and conversions of or modifications to the Note; the payment of all other sums provided in the Note or advanced to protect the security of this Mortgage; and the performance of all other covenants and agreements of Borrower contained herein and in the Note, for consideration paid, Borrower hereby mortgages, grants, and conveys to Lender, its successors and assigns forever, with STATUTORY POWER OF SALE (if applicable) and WITH MORTGAGE COVENANTS, the property referenced below to this Mortgage (the "Property"). This mortgage is given ON THE STATUTORY CONDITION. PROPERTY DESCRIPTION That certain piece or parcel of land, and the buildings and improvements thereon. known as: 4 2 ALBION ST. LAWRENCE. MA 01841 In the Town of: LAWRENCE County of: ESSEX and State of: MASSACHUSETTS and being more particularly described in a deed recorded in TAW 0 561 -·· , 1% 4 Book '79 Y Page 447 # n,¥ U Vi r-: 1.Z 1 of the ESSEX County, City of LAWRENCE PROPERTY UNDER MORTGAGE The Property includes: all improvements erected on the Property; all of Borrower's rights and privileges to all land, water, streets, and roads next to and on all sides of the Property (called "easements, rights, and appurtenances"); all rents from the Property; all proceeds (to the extent necessary to repay the amount Borrower owes) from the Property, induding insurance proceeds and proceeds from the taking of all or any part of the Property by a government agency or anyone else authorized by law; and all property , and rights described above that Borrower acquires in the future. OWNERSHIP OF PROPERTY Borrower promises that Borrower lawfully owns the properly and has the right to mortgage, grant -

and convey the Property, and that there are no claims or charges (called "encumbrances") against the nn E

Property, except for encumbrances disdosed to Lender. Borrower is fully responsible for any losses

Lender suffers because someone other than the Borrower has some of the rights in the Property that the UISUICI Borrower daims, and Borrower will defend Borrower's ownership of the Property against any such claim of rights. Borrower and Lender covenant and agree as follows: 1. Pavment of Princinal. Intermt. and Other Charoes. Borrower shall oromotiv nav. when due An - . V Bl< 4279 PG 5~ 1.- in: We, Ramez Youssef and Isabel Youssef, husband and wife, both of ~ y , 9 Country Club Lane, Plaistow, Rockingham County, New Hampshire

a *51%

Love and Affection in consideration of ~

grant to Ernest Youssef

01841

of 9 Country Club Lane, Plaistow, Rockingham County, New Hampshire MA with quitrialm catiena:lis ~ the land in Lawrence, Massachusetts with all the buildings thereon, being Lot "C" on Plan of A.N. Frost, recorded ·with North Essex Registry of Deeds, as Plan No. 3, situated on the East side of Jackson Street, bounded:

Lawrence, NORTHERLY: by Lot "B" on said plan, one hundred (100) feet;

EASTERLY: by Lot "E" on said plan, forty ( 40) feet, more or lec~ SOUTHEASTERLY: by the Spiokett River, twenty-two (22) feet, more or~ Street, less;

SOUTHERLY: by Lot "D" on said plan, Eighty (80) feet, more or less; and

Jackson WESTERLY: by Jackson Street, fifty (50) feet.

CONTAINING about forty-eight hundred (4800) square feet.

Being the same premises conveyed to us by deed of Salah Youssef and Ramez Youssef as Trustees of the Youssef Trust under Declaration<~ of Trust dated July 5, 1984 and recorded at Essex North District ~ 179-181-183 Registry of Deeds at Page 1836, Book 307, dated October 21, 1985 and recorded at said Essex North District Registry of Deeds at - Book 2065, Page 97. Subject to a mortgage from the said grantors to the City of Lawrenc, dated August 25, 1989 and recorded in Essex North District RegistryS

ADDRESS: of Deeds at Book 2992, Page 1 which the grantee herewith assumes I and agrees to pay.

PROPERTY Executed as a scaled instrument this 1995 Dit ~ R A~y*f Ral*Z YOUSSef

Itelty*4/ abel Youssef U MASSACHUSET¥6 QUITCLAIM D ~K„Div.*19&,!5.252

I, Giuseppe/Torrisi, being an imremarried *idower, / of NorSh-*fldover,__E~Sex County, Massachusetts,

Deingummirried,=for considention paid, and in fullronsiderationDf One Dollar

grantto Alfio G. Torrisi -and Maria f. baTorre, as Trustees of the "Giuseppe * 21,1996 Torrisi Trust of Feb.21 , r996, under -a -Declaration of Trust dated -Februari and duly recorded -herevith in the Northern Essex Registry of 'with qttltdaim Cot,Emt* Deeds. of 95 Piedmont Street, Methuen, Massachusetts 01844. *ei.,1.4.

IDescription and encumbrances. lEann

The land in Lawrence with all the buildin* thereon, bounded and

'!?Ro

described as follows:

Parcel No.1. Beginning at a point -in the northerly line of Brook Street, 80 feet di8tant easterly from the intersection of the northerly line of Brook Street with the easterly line of Newbury Street, thence runing northerly 71.35 feet by land now or formerly of Bingham & Smith to a stake; thence running northeasterly 70.35 feet by land now or formerly of the Essex Company; thence running 3973 southeasterly 77 feet by land now or formerly _of the Essex Company to a stake; thence running southerly 73.95 feet by land now or for-

merly of G.O. Weigel; thence running -westerly 131.50 feet by the northerly line of Brook Street to the paintof -beginning.

Parcel No.2. Beginning at an oak stake at the southeasterly corner of the premises, being the northeasterly corner of the lot ,LN011'ce,"!Radi~!!Rs conveyed -by Frank E. Holmes to -Auguste Kress by deed dated December 3, 1907, recorded in the North Essex District Registry of Deeds in Book 255, Page 393, the line runs westerly by said lot of land 77 *

S feet to a stone bound; thence turning at an interior angle of 213

16-' the line runs southwesterly by said lot of land-about 70.90 feet to an oak stake at the southeasterly corner of land -conveyed by the Essex Company to John W. Duffy by deed dated June 1, 1909. recorded in said Registry in Book 279, Page 407; thence turning at an interior angle of 71' 52' the line runs northerly by said land con-

Bl~~lk

veyed to Duffy 22.57 feet to an oak stake at the northeasterly corner of sa-id land; thence turning at an interior angle of 1210 46-' 30- the line runs northeasterly, nearly with the bank of the

~~ Spicket River, 65.82 feet to an oak stake; thence turning at an

interior angle of 165* 43'20~ the line runs northeasterly, nearly wtih said bank of the river, 102.74 feet to an oak stake; thence turning an interior angle of 64'27'20- the line runs southerly 87 F.ZZ feet to the point of beginning, being a prolongation northerly of

the easterly line of said land conveyed by Holmes to Kress and AdN~Bs: making an interior angle of 82~54'30- with the first described line-

_ Subject to occasional flowage by the Spicket River.

Being the same premises conveyed to the Grantor herein and

Lucia I. Torrisi by Thomas PappalardO7 dated November 15, 1968 and '35

PRO recorded in Book 1120, Page 221. The said Lucia Torrisi died on April 30, 1994.

As the .monetary consideration for this deed does not exceed One Hundred Dollars, no Massachusetts Deed Excise Stamp is required. Subject to an outstanding mortgage to Arlington Trust Co., dated _~ February 13, 1985, and recorded in Book 1927, Page 313, which said mortgage the grantees assume and agree to pay.

f Individual -Joint Tenants - Tenants in Common.)

0 .An . LJOUA lvUll-11 1\Ujl bily Ul 1-,FCUD - 1/UUU111(ill 1-)Clall rage i 01 1

.V.~ Home I Register's Message I Homestead Act I Directions I Services&Fees I Search I Links f J Common Document Detail / 7 0 h Book: 3955 Page: 1 Date: 1/10/1994 ~per CDEED ) Amount: 1,000.00 1 Town-LAW-----A - L'2- Description: DEE[£1759-31321 C~NAL ST \~_ -~- 1 4 8% Grantors: 1 LAWRENCE CITY OF Grantees: 1 RIVERSIDE REALTY TRUST 9 2 OGARA, GEORGE A TR -3 No Image exists for this document. 67 Back to Search Results ~ - Back to Search Form ~

http://www.lawrencedeeds.com/dsDocDetail View.asp?Year=1994&DOCUNUM-653& SEC... 3/7/2003 / r 4 9 75 -2 BK 5525 PG 12 COHEN LAW OFFICES, P.C. 873 TURNPIKE STREET City of Lawrence, Massachusetts NORTH ANDOVER, MA 01845 HOME Program MORTGAGE

Name and Address of Borrower:

Maria Hilton 237 Erving Avenue Lawrence. MA 01841

This Mortgage is made this 31st day of March, 1999, by and between Maria Hilton as Borrower ~S and the City of Lawrence, a municipal corporation in the Commonwealth of Massachusetts, acting through its Community Development Department with mailing address at 225 Essex Street, Lawrence, Massachusetts 01840 as Lender.

1. BACKGROUND AND GRANTING CLAUSE

Borrower is indebted to Lender in the principal sum of Two Thousand Forty and 00/100 Dollars ($2,040.00) (the "Loan") which indebtedness is evidenced by Borrower's Promissory Note of even date herewith (the "Note"), providing for the repayment of the Loan under certain conditions and providing for other conditions of the Loan.

TOGETHER with all the buildings and improvements now or hereafter erected on such real property, and all fixtures, easements, rights, licenses, appurtenances and rents, all of which shall be deemed and remain a part of the property covered by this Mortgage; and all of the foregoing, together with sail real property are hereinafter referred to as the "Property." Borrower covenants that Borrower is lawfully seized of the estate hereby conveyed and has the right to mortgage, grant and convey the Property, and that the Property is unencumbered, except for that certain mortgage by and between the Borrower and AccuBanc Mortgage Corporation l (the "Senior Mortgage"). Borrower warrants and covenants to defend generally the title of the Property against all claims and demands, subject to encumbrances ofrecord.

2. COVENANTS AUG 16 '99 PMS Borrower covenants and agrees as follows: 1. Repayment In the event the Borrower sells or transfers the Property before the 5th anniversary of the Note, the Borrower shall repay to the Lender an amount as calculated under the Note. 2. Condition of Properly Gfy-6 -0i BK 4628 PG 21, MORTGAGE AND SECURITY AGREEMENT

JAMES M. COSKREN, PETER J. RICHARDS, WILLIAM J. SHAHEEN, and ~ HERBERT L. SCHULTZ, TRUSTEES OF COUGAR REALTY TRUST u/d/t dated November 15, 1995 and recorded with the North Essex Registry of Deeds in Book 4381, Page 253 with a buisness ofnce at 400 Canal Street, Lawleng Massaohtisetts Olereinafter rebred to as the 'Mortgagor" 1 FOR-CONSIDERATION PAID, HEREBY GRANT to the CrrY OF LAWRENCE, a body corporate mirl politic with a mailing address c/o Community Development Department, 225 Essex Street Lawrence, MA (hereinafter referred to as the 'Mortgagee"), with MORTGAGE COVENANTS, to secure the payment of FIFIY THOUSAND ($50,000.00) DOLLARS, with interest thereon, as provided in Mortgagot s Guaranty of even date ("Guaranty"), to secure the ,- peilbrmance ofall covenants and agreements herein and in the Guaranty mntained and the Promissory I Note ofC.I.L., Inc. of even date (the "Note") and 10 secure the payment of or performance ofall other ~ debts, covenants-and agreements of or by Mortgagor to or Bor the benefit of the Mortgagee-now existing or hereafter ariNing while thil mortgage is dill imdischarged of-record, the land with the buildings thereon known as and number 400 Canal Street, Lawrence, Massachusetts, all as more particulatly described in Exhibit 54" attached hereto together with any and all improvements now or ~ hereafter situated thereon. NOV 6'96 81 As fi~rther security for the Mortgagots obligations, Mortgagor also hereby Frants to Mortgagee a con~mling security interest in all equipment (as defined by the Uniform Commercial . Code), fxtures (to the adent not part ofthe real estate), Rirnishings, appliances and personal-property now or liereafter located on the above described premises, or used in connection therewith, belonging to Mortgagor, and the proceeds therciom Said equipment, fixtures, and articles of personal property ~ include to the extent they EXist, whether installed or uninstalled,butarenot limited to, awnings, shades, Z screens -and blinds; asphalt, vinyl composition and other floor, wall and ceiling coverings; partitions, ~ ~ doors and-hardware; freestanding store enclosures; elevators, escalators and hoists; lieating, plumbing and ventilating apparatus; gas, electric, oil and steam fixtures; chutes, ducts and tanks; heaters, incinerators and boilers; air cooling and air conditioning equipment; telephone and other ~ communication plants or systems with appurtenant Stures; engines. pumps, dynamos, motors generators, compressors, electrical witing and equipment aigns and lighting ixtures; tools, sparepmts and building and common area supplies; sculpture and other art work; window washing hoists and equipment; grounds-keeping equipment; snow removal equipment; automobilesand trucks and equipment therefor, filrniture, fbmira andbusiness machines; all maintenance and cleaning uniforms, . equipment and %upplies; hall .5¥1 lobby equipment; vacuum deaning systems; andspdnkler systems and ~ to other fire -prevention and Minguishing apparatus and materials. The Mortgagor Rlrther agrees execute on demand of the Mortgagee all instruments _necessary to create perfect or _continue such ~ security interest and cause same to be recorded, and inthe event of defhult hereunder, Mortgagor execute, hereby grants the Mottgagee 811 power and authority as attorney irrevocable of Mortpgor to the deliver, record, or Be-such instruments. Except as has heretofore been disclosed in writing to any of Motte:gee, the Mortgagor warrants and represents that no security interest presentlyedsts in the the foregoing equipment, fixtures and personal property, and no Financing Statement covering ~ aforesaid equipment, fixtures and personal preperty, or any proceeds therefrom, is on Be in any public office. Said lani improvements, Rlrnishings, equipment, appliances, 8xtures and personalty are hereinafter referred to as the "Premises". h _ Fos,JITR

61/,At 662< A-< ste Er i %.~7- .0 '/ BK 4241 PG 143

MORTGAGE AND SECURMY AGREEMENT

Alfred G. Maroun of 5 Custer Street, Lawrence, Essex County, Massachusetts, hereinafter referred to as the "Mortgagor", FOR CONSIDERATION PAID, HEREBY GRANTS to First NH Bank, organized under the laws of the United States of America, with a principal place 6f business at 875 Elm Street, Manchester, New Hampshire 03101, hereinafter referredto as the "Modgagee", with MORTGAGE COVENANTS, to secure the Mortgagor's obligations under Promissory Noteand Loan Agreement of even -date, to secure the performance of, or payment to the Mortgagee pursuant to, all covenants and agreements herein, to secure», payment of or performance of all other debts, covenants and agreements of or by the Mortgagor to orfor the benefit of the Mortgagee now existing or hereafter accruing while this mortgage is still undischarged of record, the land in: Lawrence, Massachusetts located at 85-91 Manchester Street, all as described in Exhibit "A" annexed hereto, which is incorporated herein by this reference, together with any and all improvements and fixtures now or hereafter situated thereon.

Also, the Mortgagor hereby grants to the Mortgagee a first security interest in all equipment (as defined in the Uniform Commercial Code), appliances, furnishings and fixtures now or hereafter placed on lhe above described premises, or used in connection therewith, and the proceeds therefrom, and agrees to execute on demand of the Nlortgagee all instruments necessary to perfect or continue such security interest, and in the event of default hereunder the Mortgagor hereby grants the Mortgagee full power and authority as attorney irrevocable of the Mortgagor to execute, deliver and record and/or file such instruments.

This Agreement is intendedto take effect as a security agreement and is to te filed or recorded in lieu of a linancing statement 1 pursuant to Massachusetts General Laws, Chapter 106, Section 9-402. Said land, improvements, and fixtures are hereinafter referred

./ to as the "premises."

The Mortgagor -hereby covenants and agrees tothe following as

./ conditions of this mortgage;

( 1) to perform all of lhe covenants and agreements contained ./., in said -note or guaranty;

I. b- . V.. 1 1.J, 51 9 (f 1, Plf - (No Grb:ohies here to save time :13 ink , .,e,2 pm:til.,g.) Home 1 Register's Message I Homestead Act I Directions I Services&Fees I Search I Links

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Grantee: CLEMENTE, ABASCAL Grantor GANGI, CHARLES A Description: 89-898 NEWBURY ST 0

Date: 6/16/1989 Town: Type: Amount: ~ LAW DEED 26,000.00 4-

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~\ Common Document Detail Book: 3997 Page: Date: 317/1994 Type: DEED Amount: 0. 00 252 Town: LAW Description: 37 HAVERHILL ST Grantors: 1 KUNIAN, LOUIS A Grantees: 1 THIRTY SEVEN HAVERHILL STREET REALTY TRUST 2 KUNIAN, LOUIS A TR No Image exists for this document.

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0 01««- Aeolh' .*4 32 fs P.2 91 Essex County Registry of Deeds %

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L \ Common Document Detail ~ , 4~\J I i1 Book: 3296 Page: Date: 8/5/1991 Type: DEED Amount: 0.00 1 244 5 1 Town: LAW j~~ , f Description: 45R BROOK ST 5 PCLS 4 ~ / Grantors:

! 1 FORTY FIVE R BROOK STREET CORP It - Grantees: 1 DBT CORP TR 2 COLEX REALTY TRUST ~ No Image exists for this document.

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Common Document Detail Book: 5458 Page: Date: 6/10/1999 Type: DEED Amount: 163 d Town: LAW ~rj Description: Grantorsj« -- - 1 / CASAL, ESTEW A LIFE-EST--- 2 4-GASATMARIA DELORES LIFE EST Grantees: 1 CASAL, GERARDO 2 CASAL, JOSEPH

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1 http://www.lawrencedeeds.com/dsDocDetailView.asp?Year=1999&DOCUNUM=21721& S... 3/7/2003 PG 252 4440 ~ MASSACHUSETT-5 QUITCLAIM D~ ~NDIVIDUAL (LONG-FORM)E*82

I, Giuseppe Torrisi, being an linremarried .widower,

of North Andover, Essex County, Massachusetts, ~

being unmurried,for consideration paid, and in full ronsiderationof One Dollar ~

grant to Alfio G. Torrisi -and Maria F. LaTorre, as Trustees of the "Giuseppe * Torrisi Trust of Feb.21 , 1996, under a Declaration of Trust dated -February 21,1~ and duly recorded -herewith in the Northern .Essex Registry of -with quitclahn ImimantE Deeds. of 95 Piedmont Street, Methuen, Massachusetts 01844.

[Description and encumbrances, iLany] 1

01840 The land in Lawrence with all the buildings thereon, bounded and ~

described as follows:

Parcel No.1. Beginning at a point -in the northerly line of Brook Street, 80 feet di:stant easterly from the intersection of the

usetts northerly line of Brook Street with the ea-sterly line of Newbury Street, thence runing northerly 71.35 feet by land now or formerly of Bingham & Smith to a stake; thence runrring northeasterly 70.35 feet by land now or formerly of the Essex Company; thence running 6

Massach southeasterly 77 feet by land now or formerly _of the Essex Company to a stake; thence running southerly 73:95 feet by land now or for- ~ merly of G.O. Weigel; thence running -westerly 131.-50 feet by the northerly line of Brook Street to the point -of -beginning. Parcel No.2. Beginning at an oak stake at the southeasterly conner of the premises, be-ing the northeasterly corner of the lot conveyed -by Frank E. Holmes to _Auguste Kress by deed dated December 3, 1907, recorded in the North Essex District Registry of Deeds in ~ Book 255, Page 393, the line runs westerly by said lot of land 77

Street,Lawrence, feet to a stone bound; thence turning at an interior angle of 213* 16-' the line rurrs southwesterly by said lot of land -about 70.90 feet ~ to an oak stake at the southeasterly corner-of land conveyed by the Essex Company to John W. Duffy by deed dated June 1, 1909. recorded Brook in said Registry in Book 279, Page 407; thence turning at an i-nterior angle of 71'52' the line runs northerly by 81 said land con- ~

veyed to Duffy 22.57 feet to an oak stake at the northeasterly - corner of sa-id land; thence turning at an interior angle of 1210 46-'30" the 1-ine runs northeasterly, nearly 79 with the bank of the Spicket River, 65.82 feet to an oak stake; thence turning at an interior angle of 165' 43'20" the line runs northeasterly, nearly wtih said bank of the river, 102.74 feet to an oak stake; thence turning an interior angle of 64'27'20" the line runs southerly 87 -I feet to the point of beginning, being a prolongation northerly of the easterly line of said land conveyed by Holmes to Kress and

ADDRESS:

making an interior angle of 82*54'30" with the first described line-- ~~ Subject to occasional flowage by the Spicket River. C 4 Being the same premises conveyed to the Grantor herein and Lucia I. Torrisi by Thomas Pappalard07 dated November 15, 1968 and - PROPERTY recorded in Book 1120, Page 221. The said Lucia Torrisi died on 1 April 30, 1994. As the .monetary consideration for this deed does not exneed BK 4240 PG 66 QUITCLAIM DEED

L Isadore Schneider, of 11 Wellestey Drive, Pelham, New Hampshire

for Nominal Consideration 2/23/95 grant to Isadore Schneider, Trustee ofthe BS Realty Trustdated and recorded with Essex V County Registry of Deeds, Book , Page , ncorded imadiately prior hereto. *of 537 Broadway, Lawrence, Massachusetts 01840 with quitclaim covenants

The land in said Lawrence with the buildings thereon situated on the eastern side of Broadway bounded and described as follows:

Commencing on Broadwayby the Spickett River and nmning by Broadway southerly to land now or once of one Maraden; thence in a northeasterly direction by said E Marsden land is the said Spickett River; thence by said Spickett River easterly and A northerly to the point ofbegmning.

~~ For my title, see deed of Doria W. Powell and Marion P. Wylde to Isadore Schneider and Marlene P. Schneider dated July 17, 1967, recorded with Essex District Registry ofDeeds, Book 1086, Page 157. Also see Probate of niy wifb, MaiieneP. Schneideratthe Hillsboro County Probate Court, Docket No. 107619. Said Marlene P. Schneider died on September 15, 1985.

Title search not requested nor performed. The consideration for the conveyance is such that revenue stamps are not required.

WITNESS my hand and seal this 23rd day of February ,1995.

9 A .4~ ba

sL,A-

ISADOR£ SCHNEIDER IZ

336

i Pl COMMONWEALTH OF MASSACHUSETTS 9

ESSEX, ss

'15

Then personally appeared the above named ISADORE SCHNEIDER and acknowledged ~ a the foregoing insuument to be his Ree act and deed, befbre me /i, -7n 7- / f 1.d(*b

LAW OFFICES OF 14 835 4/*Ba 25 KenozaAve., Haverhill, MA01830 Tel. (508) 374-1131 i 1 asp 1 Vi i /foatc *C/,0 P RD Essex County Registry of Deeds 1 Northern District

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Common Document Detail ~ Book: 4440 Page: Date: 2/22/1996 Type: DEED Amount: 0.00 252 -6.7,0 Town: LAW 9 Description: 79-81 BROOK ST ~ 2 Grantors: 1 TORRISI, GIUSEPPE Grantees: 1 GIUSEPPE TORRISI TRUST ~ 2 TORRISI, ALFIO G TR 3 LATORRE, MARIA F TR .

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/t. BK 4657 PG 177

TH*P I, Joiles M. DeDeus, sonstimes known as James DeDeus, individually and as Trust- of the JID Realty Trust u/d/t dated September 19, 1989 and ricorded with the Worth Essex Begistry of Deeds at Book 3004, Page 47. for consideration Daid, and in full consideration of Fifteen Thousand =1 ($15 000 00) DOLLARS FaN* to' Hilton, Trustee of the lim Trust u/d/t dated 9/* 4/44 amd r.©gra.• ."/In' \96242 1 23,6/ 01 1/-75- EL'* ST ' LedMIN

now or formerly of James W. Butterworth and Martha B. Butterworth, one hundred i 3-71

fifty (150) feet; and Westerly by said Holly Street sixty (60) feet. 6

Being the same premises conn¥ed to James M. DeDeus by Foreclosure Deed of Essex Broadway Savings Bank dated January 28, 1980 and recorded at Book 1419, Page 47 with said Registry.

Eamnl_Ill ADOR'53

The lot of land known as Lot 33, Assessors' Map 192 Daisy Street, containing 5,266 square feet of land, Iore or less. Being the same premises conveyed to James M. DeDeus, Trustee by the City of Lawrence, dated September 19, 1989 and recorded at Book 3004, Page 53 with ~ said Registry. PROP/*Ty The above parcels are conveyed subject to and with the benefit of easements, covenants, restrictions and conditions of record, if any, insofar as the same are presently in force and applicable, and without intending to reimpose same.

-*1*:nam* mv hanfICS) and fealff) this /0 dav of December. 1996 Iq 1 -48 9 . 1

BK 4470 PG 33~

I, Fofo P. -Spilios

of Lexington, Middlesex County. Massachusetts being ]mmar,44, for consideration paid $ 29,490.00

grant to Crown Linen Service, Inc., a New ammpshire corporation whose address is R Pine Street Extension, Nashua, New Hampshire 15 Of

ivith quit,1.1.1 rm,mant'

the landia located at 81-83 Holly Street, Lawrence, Massachusetts ~ (Description and encumbrances, if any) more particularly described in Exhibit A attached hereto and by this reference made a part hereof 1

19. CP CO ( 5% tz l -1 ..' = *11'/;f* 0 41.1 5.1 r . EE[#3~14 59~i i 111=ir 1 -- Irb ,\ WE, RICHARD COLON and NILDA COLON, a/k/a NILDA ZAMOr BK 5018 PG of LAWRENCE, MA

, for the full consideration of ONE ($1.00) DOLLAR paH 4'.

grant to JUAN A. ZAM[Yr AND ' NILDA WIACEK

.of 14 Spruce Street, Lawrence, MA with the i with nt,lirlillm inatilan!0 ihe land in Lawrence, being two tracts of land buildings thereon, bounded and described as follows:

w . PARCEL ONE: A certain parcel of land designated as part of lot eighty-eight "D" on a plan of land formerly belonging to Joseph Gass et alii, made by J.A. Veasie, (to which plan referenced is hereby made). Said parcel is bounded: NORTHERLY by lot eight-seven "C" about eighty-eight feet; EASTERLY by Spruce Street fifty-five (55) feet; SOUTHERLY by a line running through said lot at eight angles with Spruce Street to the Spicket River; and by said Spicket River and said part of said lot.

Containing 3,200 square feet, more or less.

PARCEL Two: APR 10'98 01( EASTERLY by Spruce Street; SOUrHERLY and

WESTERLY by the Spicket River; and ~ NORTHERLY by land now or formerly of Laura A. 0' Sullivan, being the first S parcel herein described.

~~~ Being the same premises conveyed to us by deed of Juan A. Zamot dated August 20, 1993 and recorded in the Essex North Registry of Deeds in Book 3812, Page 195. 0 111

19 98 ~ Executed as a sealed Instrument thi, 9th ~~~~

~18!1~bSION

NILDA en a NILDA ZAM(Yr o #. Eit'11- o#!11 9.*\ r:ssex 1Nortn Keglstry 013 1.Jeeas - Document Uetall Page 1 of 1 19 L -30 ]* 1 Essex County Registry of Deeds ~ Northern District

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Common Document Detail ~ Book: 1676 Page: Date: 5/25/1983 Type: DEED/ Amount: 0.00 248 Town: L/0 Description: 2 PCLS BROADWAY Grantors: 1 GREATER L I ASSOC INC Grantees: 1 ZEITLIN, SIDNEY M 2 ZEITLIN, THEODORE ~ 3 BONDA, ELAINE 4 PAS KOW, LUCILLE ~ 5 MANDELBAUM, PHILIP 6 ZEITLIN, ROBERT No Image exists for this document.

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Essex County Registry of Deeds Northern District

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Common Document Detail ' Book: 3334 Page: Date: 10/21/1991 Type: DEED Amount: 30,000.00 202 Town: LAW Description: BROADWAY 2 PCLS Grantors: 1 BLUE HILL FEDERAL CREDIT UNION Grantees: 1 MALDEN MILLS INDUSTRIES INC No Image exists for this document.

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http://www.lawrencedeeds.com/dsDocDetailView.asp?Year==1991&DOCUNUM=21195&:... 3/14/2003 DabeA iNOI LIi Aegially Ul 1.,eells - 1JOCUmem 1.Jecall Fage 1 oi 1

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Common Document Detan Book: 3658 Page: Date: 2/10/1993 Type: DEED Amount: 100,000.00 295 Town: LAW Description: DIVISION ST ~ Grantors: 1 ASH CHARITABLE CORP INC ~ Grantees: 1 VDM REALTY TRUST 2 MARINELLI, VINCENT TR No Image exists for this document.

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1 1 1 I http://www.lawrencedeeds.com/dsDocDetailView.asp?Year=1993&DOCUNUM=3640&SE( 3/14/2003 1 BK 4099 88 it*jit

218 S 27° 44' 00'1 W six and 78/100 (6.78) feet, beginning. to the point of -: Mt Said parcel containing 27,649 square shown feet, more or less, as g on said plan. 4

Parcel #2

A certain parcel of land located in Lawrence, Essex, Massachusetts, County of situated northerly of Merrimack shown as Parcel #2 on Street and a plan entitled, "Plan of Land in Lawrence, MA prepared for Lawrence Hydroelectric" dated April 14, 1992 and prepared by Richard F. Kaminski and being Associates, Inc. Said parcel further bounded and described as follows: Beginning at the most southerly corner described at the of the parcel herein it land now or formerly of the Boston & Maine Railroad, said point being one hundred (165.91) sixty-five and 91/100 feet northwesterly of Merrimack Street; thence, N 59° 19' 10" W, forty and 24/100 (40.24) feet along the now or formerly of the Boston land & Maine Railroad to a point; thence, -. · -' --4, 1 by a curve to the left having a radius ,/I· + length of of 172.00 feet a one hundred forty-six. and 88/100 (146.88) point feet to a 4.9* at land of Merrimac Paper Company, Inc.; thence, i ·:·sip S 55° 52' 48" E along said Merrimac ten and Paper Company, Inc. land . ·Ettif 00/100 (10.00)·feet to a point on the Parcel #1 as northerly line of shown on said plan; thence, -4 by a curve to the left having a radius of 1104.00 feet a length of fifty-eight and 89/100 (58.89) , ] 63*1 a point; thence, feet along Parcel #1 to + by a curve to the right having a radius of length of seventy-five and 197.00 feet a -,9: -* 1£ beginning. 80/100 (75.80) feet to the point of

Parcel #2 containing 2,974 square feet, more shown on said plan. or less, as

LCW/16511/.BY6

2 BK 4099 PG 219 11111111

PARTIAL RELEASE OF RIGHTS OF FIRST REFUSAL lili 1,1 lit . 219 liliI''I,1, =I KNOW ALL PERSONS BY THESE PRESENTS, that MERRIMAC PAPER COMPANY, INC., a Massachusetts r.22-5& corporation doing business in ~ z-==*b Lawrence, Massachusetts, the holder of certain rights of first lili I ;4- refusal regarding land owned by Essex Company, a Massachusetts corporation 111111,111 -- ~ , iREr --- doing business in Lawrence, Massachusetts, and with a mailing address of c/o Consolidated Hydro Company, Inc., One N Greenwich Plaza, Greenwich, CT 06830 ("Essex Company" ), said N rights having been established- by Agreement dated October 26, 1978 by and am6ng Essex Company, as general partner of Lawrence Hydroelectric (0 Associates, a Massachusetts limited partnership, Essex Development Associates and Merrimac Paper Company, Inc. 'gE z-_ releases to Essex Company, its successors and assigns all interests its and rights acquired under said Agreement in the portion 1,111111111 , 9 '', -111'~S. of the real estate of Essex Company 11,1~111"ll''I~"t .1~, 11'El described in Schedule A 1 1 . "' 1, "BUC.,--- attached hereto and made a part hereof, but none other. 1, 4 11,1''ll'll"ll,-1 ~«E- IN WITNESS WHEREOF, Merrimac Paper Company, Inc. has caused lilli, 11'll" 111 this instrument to be executed by Gerard Griffin, its President thereunto duly authorized, lili El lilli 1.. : this ·529) day of AADS-r , 1994. 1,1 '111'' <1111 / , WITNESS: MERRIMAC PAPER COMPANY, INC. E

Gerard'Griffin, Its Pr~Eldent

COMMONWEALTH OF MASSACHUSETTS 111

COUNTY OF ESS F % , SS. 2£6051- 3 , 1994 Personally appeared the- above-named Gerard Griffin, President ~ 1 ijAi- of Merrimac Paper Company, Inc. as aforesaid, and acknowledged the foregoing instrument to be his free act and deed in his said ~2~ capacity and the free act and deed of said Merrimac Paper Company, Inc. r 1 Ulll'~118 -~ - Before me,

*~tary Public

Print Name: 0*15&.2,40 £?OAk/~Li My commission expirds: 6 -/9 18

LCW/16511/.088 11, 111 '1-, 1, 'BE:9 Ul·' 4099 PG 22 Schedule 220 A PARCELS OWNEp BY ESSEX .COMPANY

Description: 20' by 250' strip of land between South Canal Street >and Merrimack River. Book & Page: 1615/201 Assessor's 1, Map: 123/5 Cyr Eng. Plan: 9345/9 B. Parcel B: Description: North bank of Merrimack River from approximately Broadway Bridge to approximately Central Bridge. Book & Page: 1615/210 Assessor's Map: 124/1 [parts shown on Maps 123 and 143] Cyr Eng. Plan: 9345/1 & 2 C. Parcel_C: Description: Sold in 1985. Storm drain area about 14' wide running south from Exeter Street parallel to Grafton Street. Book & Page: 1615/211 Assessor's Map: 60/3 [some shown on Map 59?1 Cyr Eng. Plan: N/A D. parcel D: Description: Approximately 33' wide strip of land running roughly parallel to and directly east of Central Bridge between North Canal and Merrimack River. Book & Page: 1615/214 ·.:f 3 Assessor's Map: 125/32 and 32A Cyr Eng. Plan: 9345/3 04 E. Parcel E: Description: Methuen Street from Lawrence streets. to Appleton Book & Page: 1615/215 '1=j Assessor's Map: 126/63 [some shown on Map Cyr Eng . Plan : 106] N/A / F. Parcel F: . Description: * Thin strip of land constituting northern side of Methuen Street between Appleton e and Jackson Streets (approximately 3,200 11 Book & Page: 1615/216 Assessor's Map: 106/93 Cyr Eng . Plan : N/A Mt

11 1 -1-'** .T/%=

7=;imm

. 1 11 11

5 1 1 -1 VII 1Ill, 1~1, 1 lili

Ill BK 4899. 86 221

G. Parcel G: 221 4 Description: 11 Thin strip of land constituting northern side of Methuen Street between Newbury and lili 5& Union Streets (approximately 4,400 sq. 11 ft.). Book & Page: 1615/217 Assessor's Map: 86/63 111~ Cyr Eng. Plan: N/A lili 111 H. Parcel H: Description: Sold in 1986. Office building at southwest corner of Essex and Union

*,. I Streets (approximately Book 17,600 sq. ft.) . 111111'11111111,1 '''I -1,i-." & Page : 1615 / 218 MIA'11 ; Assessor's Map: 86/6 'M , 1, Cyr- Eng. Plan: 8084 111,11,1,,1, , 1 I. Parcel I: 1,111,1~1111,111111 'llili '1 lilil' 4'= Description: South half of Canal Street between 11'11 Lawrence Street and Union Street. lilli Book & Page: 1615/219 lili''IB,11 '1,1,", Assessor's Map: 85/19 [some shown on Maps 105 and 125] Cyr Eng. Plan: , 1,1,1,11,11 '11''ll.1,11 9345/3 [shows only part 111 of this from 411 Lawrence Street to a wood and metal bridge between Appleton and Mill Streets]. S'fi f U 91,1,1,11111'd 1 J. Parcel J: 111111'11'i'111'11 Description: North bank of Merrimack River between Central Bridge and Union Street. 'ihl 'ip:, '. Book & Page: 1615/220 Assessor's 11-t Map: 85/1 [some shown on Maps 104 and 124] 1,1111''lili Cyr Eng. Plan: i~~i|li ~|ill.- it it 9345/3 & 4 111 J '1131 K. Parcel K: Description: North bank of Merrimack River between lili,lili 14 1' , Union Street and approximately the 11 lili'' lilli 1 1 juncture of the Merrimack and Spicket Rivers. Book & Page: Assessor's Map: 85/17 [some shown on Map 66] Cyr Eng. Plan: 9345/4, 5&6 1111111 '1 ~. Parcel L: 1~ III i. Ii'll'll tl Description: Land south of North Canal at Merrimack and Spicket Rivers. , 11 '11,4 Book & Page: 1615/224 Assessor's Map: 66/1 'lillill, fill, h Cyr Eng. Plan: 9345/5 & 6 ,11'111,1~1[l lil,1 '4 "11 ~„111[l 11Ilill,1 J11 lil,11:11'll 1 '111 , A ''1111'' ~~,1 'j--

1 +1 I 11 I J 1'" . 2 41 f.1 1, , -,

#5, -=. 11 Illilli]11 1 1 41

5 , 4'lilli

' i '1 1~I d BK 4099 PG (~M ) Parcel_M: ~ > 222 - Description: Small piece of land on east bank of Spicket River, south of Canal Street. 1-111111,1 Book & Page: 1615/225 Assessor' s Map: 67/3 1 Cyr Eng. Plan: 9345/6 /20 parcel N: 11 L-/ Description: East bank and part of west bar}k of Spicket River near Haverhill Street. Book & Page: 1615/227 Assessor's Map: 88/95 [some shown on Maps 89 and 109] 11 Cyr Eng . Plan : N/A ~~]) Parcel_€): Description: South bank of Spicket River between 11 11 Jackson and East Haverhill Streets. Book & Page: 1615/228 Assessor's Map: 109/68 | Cyr Eng. Plan: N/A < p h parcel_E: - Description: North and south banks of Spicket River west of Jackson Street and along Erving Avenue. 11 11 Book & Page: N/A 7 Assessor's Map: 108/87 [some shown on Maps 128 & 129?] Il lilli I Cyr Eng . Plan : N/A ..,11 Q. Parcel 0: '111 Description: Wolcott Avenue from Eaton to Everett -1.11 Streets, approximately 3 acres. Book & Page : a/A Assessor's Map: Maps 141, 160, 161, 162 and 180 ,= Cyr Eng. Plan: N/A 1-2-4

'F,

f LCW/16511/.(87

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T*.f

,-41' lilli

lilli,IE" f¢,1'~,l' I @1111111 'gllill''ll" Ip,111,1''lli %1,1111:1~ 4 111 1 jil 1 111 11 f.ss» Mill'~1~lil

Bk 4099 5% 223 - COMMONWEAITH OF MASSACHUSETTS 223

S (SEAL) LAND COURT < DEPARTMENT OF THE TRIAL COURT

To. Michael J. Laorenza

Nancy A. Laorenza 4

11111~11"Ill!':"

Eli,· 'lili'i and to all persons entitled to the benefit of the Soldiers' and Sailors' Civil Relief Act of 1940 as amended: A Federal National Mortgage Association

claiming to be the holder of ,-ip. mortgage J coyering real property in No. Andover numbered as 38 Sargent Street .- - © given by Michael J. Laorenza and Nancy A. Laorenza to Comfed Savings Bank dated July 28, 1989 recorded at Essex County (Northern District) Registry ill_ - of Deeds in Book 2971, Page 236 and now held by Plaintiff by assignment

has filed with said court a complaint for authority to foreclose said mortgage c-

in the manner following: by entry and possession and exercise of power of sale.

If you are entitled to the benefits of the Soldiers' and Sailors' Civil Relief Act of 1940 as amended and you object =... to such foreclosure you oryour att°TY should file a written appearance and answer in said court at Boston on LA or before the day of or you may be forever barred from claiming that such forcclosure is invalid under said act. ROBERT V. CAUCHON Witness, ~, Chief Justice of said Court this F day of

1~ 8of Trombly~. ii.:: W.

Charles Deeds

R€

4 a

B 116 1 5

15 NOTICE -:.- - 4 ESSEX COMPANY, a Massachusetts corporation having an Usual place of business y, ~3r e in Lawrence, Essex Counwy, Mass- -Ef '' achusetts, apprehending that a right of way or other easement in :··lf. and over its land hereinafter described may be acquired by Cus. tom, use or otherwise, bysome person or class of persons, hereby gives public notice under General Laws Chapter 187, Section 3, 3 4 j of its intention to dispute any such right or easement and to s..» ~, -- F prevent the acquisition of the same. Said land is bounded and Y described as follows:

A certain parcel of land Situated in said Lawrence, Bounded: Northeasterly by Spicket River, and land now 6r formerly v' of Greater Lawrence Sanitary District; Southerly by the Merrimack River; .3 2 Westerly by land now or formerly of;'A & J Realty Trust; and Island Street; R . Northerly by the North Canal. =' 1 41 4 n- 1

Further as shown on Tax Map of City of Lawrence, Essex County, Massachusetts, 1980 Map #66 Lot #1

ESSEX COMPANY By: Eugene Patrick Mc-Cann. CLERK. 1 --,Ar - >'C.~ COMMONWEALTH MASSACHUSETTS Lawrence, Mass., ESSEX. S.

'. 6,,4,0, being a Deputy Sheriff in and for the County of Essex'in the Cammon- wealth of Massachusetts, and duly qualified to serve civil process, hereby cenify thai I posted in a , P ~' '3.- conspicuous place upon the'premises within described an exact copy of the noti~ for six successive *41 1 8.

Subscribed and sworn to this i-*CL . day of 692%44, /9,1 ,.before me, . 4<: 14'. 0,-:··t;''

.Notar Public '*:..6 :2 . 6/4: 5. - 1 .r t. Essex, ss. Recorded 1,/""w- *

COMMONWEArm OP MASSACHUSEm · ' . BETTKNOWNTHATi, JAMESDENNIS LEARY rs, 1 ESSEX, m. Clerk of the Superior Coun Department forthe County of Essex aforesaid, the same bang a court of record, do hereby certify 04. Charles T., Canto ~ .. mquil l bywhomicium ofthcserviceotthemancxcd preceptwasmadc; was,atdw ~ *,t·*"*4-~~ , . date thereof, a D,pu€y of th,·Sbfrg~ within md for midCounty, duly commig sioncd 23 sucil and duly qualified to make service of 211 civil process in said i '· ffl~ . County, and A,n faith and crediE * duc his okial acts; and I verily believe :*

Intcidmony wharco£Ihcreunto set myllandand,ifixthe'scal ofuid ] 44 S. Couftkat Salcm, in mid County, on this blenty fifth day , OE October in the yclr of our ne thousand 1_ 1 fi 1 BK1615 Ill''t I '1, ¢11 5 I NOTICE ms 9 * , 11 1!11'li I :~ ESSEX COMPANY, a Massachusetts. cori~ration having . an.usual place.of business in Lawrence, Essex Counly, Mass- r achusetts, apprehending that a right of way or other easement in and over its land hereinafter described may be acquired by cus- t6m, use or otherwise, by·some person or class of persons, hereby 1,1 1 1, L gives public notice under General Laws: Ctiapier 187, Section 3, of its intention to dispute any such right or easement and to prevent the acquisition of the same. Said land is bounded.and ~" ~i'~,01 described as follows:

A certain parcel of land situated in said Lawrence, b6unded:

Northwesterly by Canal Street; *:.1, Northerly by land now or 'formerly of P.F. Lawrence, Inc., Easterly by land now or formerly of P.F. Lawrence, Inc. ; lili ,-11 ly' 'I ,~ i- Westerly by Spicket River;

F i,I r Further as shown on Tax Map Of City of Lawrence, Essex County, !i~Ill I,IE) Massachusetts, 1980 Map #67 Lot #3 , 11 ' 1 'fll' '1 '1-

f ESSEX COMPANY , By: Eugene Patrick McCarin. CLERK. COMMONWEALTH F MASSACHUSETTS Lawrence, Mass.. , EssEX, s. ~ 9-

, beir,g a Deputy Sheriff jn and for the County of.E*le* in the Cbmmon• wealth of Massachuseits,.and duly qualified to serve civil process, hereby certify that I posted ina conspicuous place upi,n the pr*mises withindescribed an exact copy of the notice.for si* successive ~11~ ,, .1~15 14

Subscribed and sworn to this 4(ZL .day of de.ki

Essex, ss.. Recorded

COMMONWEALTH OP MASSACHUSETIS. BEIT KNOWN THAT I, JAMES DENNIS LEARY ESSEX, & Clerk of the Superior Court Department for theCounty of Essex aforesaid, the same '11, ~ >E=f* Charle= T. . Canto L by whom return of the service of the acme*cd precept was made; *4 0 the dam diereof,2 D,puly 4.4 Bert within and for gid County,duly commis- Il L sioned u such and duly qualified m make service of all dvil process in mid County. and full Eaith and credit are due his omdial ac,3; and I Maily believe that his signature thereto is genuinr_ 11 ' i, 41.F r ~i~.4 in , . ~'.f *5 In mstimony *viwiect I hercundo ze my liand and amx the d ol mid 1111 41 4 + E.{ 42.fi, - Court, at Salciti in mid County, on this twenty fifth day 08*ober diougizd a=£

Recorded Oct.27,1982 at 2:45PM #11546 f BK1615 ~,~ ~'~.'.Er 226 NOTI CE a IMassachusetts corporation having ESSEX COMPANY, 0, p;.:.31 an usual place of business in Lawrence, Essex Count#y, Mass- apprehending that M right of way or other easement in achusetts, cus- and over its land hereinafter described may be acquired/by tom, use or otherwise, by some person or class of persons, hereby notice under General Laws Chapter 187, Section 3, gives public to of its ititention to dispute any such right or easement and same. Said land is bounded and prevent the acquisition of the 6, -74 described as follows: ...la Lawrence, b6unded: A certain parcel of land situated' in said Leasing & Rentali' Northerly by land now or formerly of Executive Easterly by the Spicket River; land now or formerly of Executive Leasing & Rental; Southerly by & Realty Company; 1 Westerly by land now or formerly of General Tire

Essex County, Further as shown on Tax Map of City of Lawrence, Massachusetts. 1980 Map.#67 Lott1

ESSEX COMPANY . By: Eugene Patrick McCann. CLERK. .f-111¥#1 -= Lawrence, Mass- COMMONWEALTHpF MASSACHUSETTS ESSEX, SS. of Essex in the Common- . 'lid US'-v»., being a Deputy Sheriff in and for the County - \6~1473-_f process, hereby cenify that f posted in a wealth of Massachusetts, and duly qualified 10 serve civil copy of the notice for six successive conspicuous place upon the premises within described an exact

f *- biLL'.706 ., ,-- 3- this JEZ& day of 6

Essex. ss. Recorded

i THAT L JAMES DENNIS LEARY BE IT KNOWN .- COMMONWEALTH OP MASSACHUSETTS For the County of Essex aforesaid. thesame f Clerk of the Supetor Court Department Charles T.. Canto E,quire, do hereby ocrtity A., a murt of record, was mad* Was. at tile being scrvice of taw m„02*ed precept by wham return ofthe 15£ of tb, Sber,£ within and forsai¢County,dulycommis. date therrof,a Dgu) $aid . make service of all civil process in ''-1= sioned as such md duly qualified to his official *cts; and I verily believe County, and full faith and credit are due 41 his. signature thereto is genuind A & dint affix tile scal of:aid * whereof, I hortuato set my hand and i> In testimony day on this twenty fifth 2 Court,at Salcm, in said County, ~ in dz yar ot our.~prj;204 thousand 1/ of October

.#11547 ~ Recorded Oct.27,1982. at 2:45PM 1.4-4= f BK1615 41[):*44 02-- NOTICE -0'.9. » , » -3 '. ESSEX COMPANY, a Massachusetts ~1, ~ '1, 1-: an corporation having usual place of business in Lawrence, Essex + *~ achusetts, apprehending Countly, Mass- i 11 1.1 - - that a right of way or other easement.in Id'tr - and over its land hereinafter Y Ar described may.be acquired by cus- tom, use or otherwise,.by some person.or gives class of persons, hereby public notice under General Laws Chapter of its intention 187, Section. 3, to dispute any such right of easement prevent the and to acquisition of the same. Said land is described as follows: bounded and A j certain parcel of land situated in said Lawrence, bounded: IF " 1,~b Fi Land shown on Tax Map, City of Lawrence, County of prepared by James W. Essex, ~1* Sewall Ii, ~ ~, ~~16 Company, .Old Town Main bounded: . 1111~111111~1111~{11.( - Westerly by land now or formerly of Essex Spicket River; Company, and the Easterly by land now or formerly Southerly of Essex Company; by land now or formerly 1,11/'' 1~''TAI Northerly of Essex, Company; .- by parcels numbered 96,97,98,99,100,101,102,103,104, 105; Also by parcels on plan· number 37.38,39,40,41.42,43,44,45,46,47,50 '88 numbered 30.-34.35,36, » H'' 1„'Ille and on plan number 109 51; Also· by parcels '1,11" 111 1 numbered 54,55,and 56. 1111'ir In '- Further as shown oh Tax Map of City of Lawrence, Massachusetts, Essex County, 1980. Map #88 Lot 895 » 1'111~~1 {11- -r ESSEX COMPANY lilli, fl lili g kfile, 111 4 By: Eugene Patrick McCann. CLERK. COMMONWEALTH,0~F MASSACHUSETTS Lawrence, Mass., 1'¢S'0*«S060-0, 111 n tr -- being a Deput¥ Sheriff iii and wealth lor the County of Essex in,ht Common- of Massachusetts. and duly qualified to serve civil process, hereby certify thal i posted conspicuous place umnitis pwmises withindracribedanexact in a copy or the notice forsixsuccessive

Subscribed and sworn to this;14;CL day of 6(540*0,·/9,4 , hfore me,

Essex, ss. Recorded 79*-.. , I. . 1, 8 1

COMMONWEALTH OF MASSACHUSErn ' BEITKNOWNTHATI, JAMESDENNISLEARY ESSEX, n C lerk of the Superior Court Department for the County . beiq of Essex aforesaid. thesame 4 TIL- - a coart al rem,4 do hereby cstify aut Charles T..- f '1 6 Canto , by F.up,irr, „ ti whom return.of the scrvice ofthe aanexed preocpt was ma<14 was, at the sioned as such ind duly q„.liked to m*- service of 'i, ., ) 1 1 , . 2~) County,'and all civil prr-. in said full 6idi uid credit are due his official - )» act~ and I verily believe dut hi: aignaturethercto is &¢OidfiG In tesdmony wherog I hereunto .H42 zt my lund and amx the seal 0£ at.51*m, in said mid Coung, on dis twenty fifth 4 : October day inthe ycar d Our t10~•,•,1

~ RAe,r,mAAA 0,•*.20.1 QAP =* Pitic;PM AL11.NIA- , 1 01 4 /'ll BK1615 1*55

228 NOTICE - ~ 6~F'~~ti ESSEX COMPANY, a Massachusetts corporati6n having 111 21 - -- - - an usual place of business in Lawrence, Essex Coun/y, Mass- *-647 achusetts, apprehending that a right of way or other easement in and over its landhereinafter described may be acquired b¥ cu5- 11 #4 . tom, use or otherwise, by some person or class of persons, hereby f J.&4 - j '1 dll 4 ·.0,-4.» 1 F Al gives public notice under General Laws Chapter 187, Section 3, 1 - i.efil of its intention , to dispute any such right or easement and to fit-= acquisition of the same. Said land is bounded and prevent the ....4 .:i ~~'.'~~* described as follows: 1 , -4*8 ti 5 - Jo,Ye A certain parcel of land situated in said Lawrence , bounded : a . -_b

North Westerly by the Spicket River; Easterly by East Haverhill Street; ,.*- land now or fomerly of; Carmelo & Anna f 1 1 South Easterly by Murabito, Antoinette M. & Christine Mallett and Holy Cross w :1! 1, 1,1 Armenian ; . ~ -- 2 3 11 11 Westerly by Jackson Street;

Further as shown on Tax Map of City of Lawrence, Essex County,

Massachusetts, 1980. Map #109 Lot #68 _*~:_ alqi

I„-ils#AE'

I. -It. ESSEX COMPANY ,- =11,- 3 "4 By: Eugene Pairick McCann . CLERK. 1 rs COMMONWEALT}) OF MASSACHUSETTS Lawrence, Mass.. ..f- BSEX,~- ~1, 'I 1 , being a Deputy Sheriff in and for the County of Essex in the Common- * ..... _.-- wealih*. o[ 4Massachusetts,/5:4, and duly qualified to serve civil process, hereby certify that I posted in a conspicuous place upon the premises within described an exact copy o[ the nts;' for six successive !*21- days. to wit: on the032/10/110 51n,- r--59 It/ / -' 66-VRA I .U .2 50 Subscrit*d,and sworn to this .26·ZZ' day of /ek,-*54 /1 14, be[ore me. i J b-- 1 36 7 .:.-*r . · I.N.:33_ Notary Publ# t!!f v Y 'S 11:5 jur ,i . 0- 4, Essex, ss. Recorded :52...... b.fic':·~.=7<

1 -1 COMMONWEALTH OF MASSACHUSErri . · BE ITKNOWN THAT I. JAMES DENNIS LEARY · Clerk of the Superior Court Department for the County of Essex aforesaid. the same T.. Cinto ~Esquird being a mun 4 vax< du hereby oectily 0-, Charl- Z --j 1 § f~ 1 by whom return of die service of tbe ann--1 prwept was rn,4 w# at the 2 for gidCounty.dulycommis- date thcreaf,2 Opu* 0/ fadir* within wd ..5 qualified to make xrvice of all civil process in said 1-till sioned u such and duly Counry, and full faith and credit are duc his official act* and I verily believe 1 8- duthis signanite therein i'Benuine. In testimony whcreof, I hereunto sc[ my band and affix the 121 of said 2, 1 . ~154' *,--.- liS6 Court. at Salcm. in mid County, on dils tuenty fifth day 4 October in die year of our 1§:gr~flac tho•••..1

441·~~*Aa ~ 'S., '4 dk. - S ..Ed 82 9922;,4---- , ~5/ mine.hundred and 4- Inlill-il -I , A -m. (511 -€1-_~«54< ac,6.- 1-Ill['qj, 4*I>,

811 '1!-1 .4 V 1 Recoidea Oet.27,1982, at 2:45PM .#11549

p I M P B K 16 1 5· -1.. 1.-6.,4. . '' . ..· TME 004AIAO,mEAL7MOTMASSACHuSETTS-OL »IT OF REVENUE · ~ ~14 i ~ 704 77 229 0.1 1 1 , 11 -~=-- NOTICE OF MASSACHUSETTS TAX LlEN i ,„ & r', F No: ':',: i '"*,Illy,© 5,1 ~21131 Pursuant,to the provisions of Section 50 of' Chapter 62C of the General Laws, notice is hereby given that there have been assessed against the following-named taxpayer taxes (including interest and A penalties) which remain unpaid, and that the amount of said taxes is a lien in favor of the Com- 111 11 monwealth of Massachusetts upon all property and rights to property belonging to said taxpayer. A W 042-473-235 111 1, 1,11,1,/ 6 i ' .NA'E 0~ r••P•*E• · I . ·· · · , t.1:·' Andrew E. Alvino General Contractors, Inc . 1, 1 AOOR/SS 87 Belmont St., North Andover, Mass. 01845 , 52.7 2 v i r IA NATUAE OF TAX· ASSESSMENT TAXABLE PERIOD UNPAID BALANCE (Mass. G. L.) DATE OF ASSESSMENT

Apr 81 1/31/81 4.1.95 4 I i 1, Withholding May 81 10/31/81 206.18 111 .1. ''r,/ linaprer 04uj Juit 81 10/11 / 01 ./1/'/1.... 'I/- ~ 1 , 411*,P, T Jul 81 12/31/81 ',,152.79 174 Aug 61 '0/71/RT 711.48 ''r= Sep 81 12/31/81 222.59 'CK , E\,Ickl *.oct 81 3/31/82 174.54 1 Nov 81 3/31/82 227.71 1, '14#1 I 11111n 1 Dec 81 3/31/82 241.05 ' Mar 82 //UL/OL 90. iO '' ti I '11 ' Corporations 1 1981 7/22/82 (BA=r+-r 43} 253.63. i f j 2.11 3 1 111*11'lli jel . 11'~11111, 4, IiI ~.ti# --* N W f U lilli1 F lilli l

TOTAL $ 1,961.04 4 4, PLACE OF FILINa/ ' ~ |~ f , '- imgistry of Deeds Essex County, Lawrence, Mass. Towuerk- Towntall NoAndover, Mass. 1 ' '. 5'1 1 Secretaryof State- Boston, Ma L - - r 1 4" 6 Title Chief . . ~' '11~11811:1'rl Recorded Oct.27,1982 at 3:16PM #11550 4, .,11*#3 P. lili 'ly

1,1lai f "1"i ~1,111 / Appendix C Sample Easement 1

22 Sources Briggs, Chris. Personal communication, March 15, 2003. Howard, Jennifer. (2001) .Creating Greenways: A Citizen's Guide. Massachusetts Department of Environmental Management.

Lawrence Parcel Map. (2003). Created and provided by Lawrence Community Works.

Lawrence Tax Assessor' s Database. (2003). Provided by Lawrence Community Works.

Legislative Priorities. (2003). http://www.massaudubon.org/News & Action/Priorities/nat hist_res.html Massachusetts Digital Hydrology Map Layer. Mass GIS.

Massachusetts Digital Roads Map Layer. Mass GIS.

Morris, Hugh. (2000). Rail-Trails and Liability: A Primer on Trail Related Liability Issues & Risk Management Techniques. National Park Service.

Rodstrom, Chris. Personal communication, April 5,2003.

Techniques. www.thetrustees.org/pages/44_techniques.cfm.