103 4th Ave, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 103 4th Ave, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,515 sqft · built 1940
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Nov 2020)
Tax Bill	$6,595 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M17750`

Property Details

APN / Parcel Number

Primary APN	`M17750`
Alternative APNs	`LOWE M:97 B:2405 L:103` `M:000097 T:M17750`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,515 sqft Living Area
Gross Area	4,572 sqft
1st Floor Area	1,376 sqft
Basement Area	1,344 sqft
Unfinished Basement	392 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M17750
Street Address	103 4TH AVE
City	LOWELL
State	MA
Zip	01854-2729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Subdivision	HENRY EMERY
Legal Block	2405
Legal Lot Number	103
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2008
Census Tract	310500

Owner

103 4th Ave is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	103 4TH AVE, LOWELL, MA 01854-2729
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
Jul 23, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 8, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Nov 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 10, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2020 · Amount on File
Deed Sale	Nov 10, 2020 · Amount on File
Deed Document Number	202057510
Deed Book / Page	34895 / 79
Prior Transfer Date	Nov 9, 2020
Prior Transfer Doc	34895-79
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	103 4TH AVE, LOWELL, MA 01854-2729
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039400-175
Date	Jul 23, 2025
Book Page	39400/175
Instrument	22608

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	103 4TH AVE, LOWELL, MA 01854-2729
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036963-42
Date	Apr 8, 2022
Book Page	36963/42
Instrument	15275

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 10, 2020
Property Address	103 4TH AVE, LOWELL, MA 01854-2729
Document Number	34895-76
Book / Page	034895 / 000076
Instrument Date	Nov 9, 2020
Instrument	57509
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4TH AVE LOWELL MA 01850, LOWELL, MA 01850

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 10, 2020
Property Address	103 4TH AVE, LOWELL, MA 01854-2729
Document Number	34895-79
Book / Page	34895 / 79
Instrument Date	Nov 9, 2020
Instrument	57510
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	FOURTH AVE, LOWELL, MA

Mortgage

Document Number	57511
Date	Nov 10, 2020
Instrument	57511

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 103 4th Ave was $6,595, up 4% 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	$6,595.00 (+4.04%)	$581,100 (+5.23%) Land $205,300 Building $375,800	$593,231 (+12.01%)
2025	$6,339.00 (+7.93%)	$552,200 (+11.99%) Land $200,300 Building $351,900	$529,625 (-2.79%)
2024	$5,873.00 (+1%)	$493,100 (+14.7%) Land $174,700 Building $318,400	$544,825
2023	$5,339.00	$429,900 Land $145,100 Building $284,800

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

Flood

FEMA maps place 103 4th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 103 4th Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 834 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75

May also be available: AT&T, T-Mobile.

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