104 Ludlam St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 104 Ludlam St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,422 sqft · built 1920
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Company Names on Record
Last Sale	$320,000 (Sep 2021)
Tax Bill	$4,378 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P07435`

Property Details

APN / Parcel Number

Primary APN	`P07435`
Alternative APNs	`LOWE M:173 B:3735 L:104` `M:000173 T:P07435`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	2,505 sqft
1st Floor Area	901 sqft
Basement Area	901 sqft
Unfinished Basement	901 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	P07435
Street Address	104 LUDLAM ST
City	LOWELL
State	MA
Zip	01850-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	USF
Legal Block	3735
Legal Lot Number	104
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	310300

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CROSSCOUNTRY MORTGAGE INC
Sep 14, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 29, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CROSSCOUNTRY MORTGAGE INC
Sep 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 10, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Book / Page	36305 / 202
Last Transfer Date	Sep 13, 2023
Transfer Doc	038070-188
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036318-161
Date	Sep 29, 2021
Book Page	36318/161
Instrument	57142

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 14, 2023
Property Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Document Number	038070-188
Book / Page	38070 / 188
Instrument Date	Sep 13, 2023
Instrument	27256
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LUDLAM ST, LOWELL, MA 01850-1227

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36318-161
Date	Sep 29, 2021
Book Page	36318/161
Instrument	57142

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 27, 2021
Property Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Document Number	036305-202
Book / Page	36305 / 202
Instrument Date	Sep 22, 2021
Instrument	56506
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Amount	Amount Recorded
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	104 LUDLAM ST, LOWELL, MA 01850-1227

Mortgage

Document Number	0000057141
Date	Sep 27, 2021
Instrument	57141

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	036318-148
Date	Sep 29, 2021
Book Page	36318/148
Instrument	57141

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	104 LUDLAM ST, LOWELL, MA 01850-1227
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34221-246
Date	Jun 10, 2020
Book Page	34221/246
Instrument	25081

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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
2025	$4,378.00 (+0.6%)	$381,400 (+4.38%) Land $117,000 Building $264,400	$414,200 (+5.24%)
2024	$4,352.00 (+6.12%)	$365,400 (+10.66%) Land $116,300 Building $249,100	$393,585
2023	$4,101.00	$330,200 Land $101,100 Building $229,100

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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