1045 Middlesex St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 1045 Middlesex St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,248 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$435,000 (Sep 2025)
Tax Bill	$6,926 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S03490`

Property Details

APN / Parcel Number

Primary APN	`S03490`
Alternative APNs	`LOWE M:102 B:4085 L:1045` `M:000102 T:S03490`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,248 sqft Living Area
Gross Area	4,852 sqft
1st Floor Area	1,124 sqft
Basement Area	1,124 sqft
Unfinished Basement	1,124 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	S03490
Street Address	1045 MIDDLESEX ST
City	LOWELL
State	MA
Zip	01851-1323
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	4085
Legal Lot Number	1045
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2004
Census Tract	311200

Owner

Source: Middlesex County and Lowell City records, as of May 29, 2026

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

Owner of Record	Company Name on Record
Mailing Address	165 THORNDIKE ST, 2002, LOWELL, MA 01852-3485
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE
Sep 9, 2025	Quit Claim Deed, Transfer ABL RESIDENTIAL CREDIT ACQUISITIONS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on Record
Deed Sale	Sep 9, 2025 · Amount on Record
Prior Sale	Apr 4, 2011 · Amount on Record
Deed Book / Page	39504 / 217
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 15, 2026
Property Address	1045 MIDDLESEX ST, LOWELL, MA 01851-1323
Document Number	0000000006
Book / Page	40202 / 250
Instrument Date	Jul 9, 2026
Instrument	20266
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	1045 MIDDLESEX ST, LOWELL, MA 01851-1323

Mortgage

Date	Jul 15, 2026

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	6.48%
Max Rate	-1%

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 9, 2025
Property Address	1045 MIDDLESEX ST, LOWELL, MA 01851-1323
Document Number	039504-217
Book / Page	39504 / 217
Instrument Date	Sep 5, 2025
Instrument	28227
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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	165 THORNDIKE ST # 2002, 2002, LOWELL, MA 01852-3485
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028228
Date	Sep 9, 2025
Instrument	28228

Lender

Name	ABL RESIDENTIAL CREDIT ACQUISITIONS

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2026

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
2025	$6,926.00 (+8.51%)	$603,300 (+12.58%) Land $171,000 Building $432,300
2024	$6,383.00 (+7.71%)	$535,900 (+12.32%) Land $153,900 Building $382,000
2023	$5,926.00	$477,100 Land $133,800 Building $343,300

Assessed value is set for property tax purposes and is not a market price estimate.

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	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 804 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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