102 Draper St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 102 Draper St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1958
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Jun 2019)
Tax Bill	$6,129 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M10960`

Property Details

APN / Parcel Number

Primary APN	`M10960`
Alternative APNs	`LOWE M:249 B:1865 L:102` `M:000249 T:M10960`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,544 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M10960
Street Address	102 DRAPER ST
City	LOWELL
State	MA
Zip	01852-3140
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	1865
Legal Lot Number	102
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2011
Census Tract	312502

Owner

102 Draper St is owned and occupied by two individuals who bought it in June 2019.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	102 DRAPER ST, LOWELL, MA 01852-3140
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage JEANNE D ARC CU
Nov 9, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) JEANNE D ARC CU
May 16, 2022	Deed of Trust, Mortgage · ARM JEANNE D ARC CU
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Jun 24, 2019	Quit Claim Deed, Transfer · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on File
Deed Sale	Jun 24, 2019 · Amount on File
Prior Sale	Feb 6, 2015
Deed Document Number	201924681
Deed Book / Page	33085 / 144
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	102 DRAPER ST, LOWELL, MA 01852-3140
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039681-285
Date	Nov 20, 2025
Book Page	39681/285
Instrument	37487

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	102 DRAPER ST, LOWELL, MA 01852-3140
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038172-190
Date	Nov 9, 2023
Book Page	38172/190
Instrument	33265

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2038

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	102 DRAPER ST, LOWELL, MA 01852-3140
Transaction Type	Mortgage
Record Updated	Jun 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037062-247
Date	May 16, 2022
Book Page	37062/247
Instrument	20759

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2029
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	102 DRAPER ST, LOWELL, MA 01852-3140
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036017-128
Date	Jul 19, 2021
Book Page	36017/128
Instrument	42315

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 24, 2019
Property Address	102 DRAPER ST, LOWELL, MA 01852-3140
Document Number	33085-144
Book / Page	033085 / 000144
Instrument Date	Jun 24, 2019
Instrument	24681
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,824.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	102 DRAPER ST LOWELL MA 018523140, LOWELL, MA 01852-3140

Mortgage

Document Number	33085-147
Date	Jun 24, 2019
Book Page	033085/000147
Instrument	24682

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2049

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	33085-166,
Date	Jun 24, 2019
Book Page	033085/000166
Instrument	24683

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jun 23, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 102 Draper St was $6,129, up 2.7% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,129.00 (+2.75%)	$540,000 (+3.93%) Land $259,600 Building $280,400	$561,495 (+10.06%)
2025	$5,965.00 (+3.27%)	$519,600 (+7.13%) Land $242,700 Building $276,900	$510,150 (+1.63%)
2024	$5,776.00 (+5.56%)	$485,000 (+10.08%) Land $226,800 Building $258,200	$501,980
2023	$5,472.00	$440,600 Land $197,200 Building $243,400

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

Flood

FEMA maps place 102 Draper St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 102 Draper St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people · EPA ID MA3160000
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2017
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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