105 Luce St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 105 Luce St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,864 sqft · built 1935
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Trust Names on File
Last Sale	$662,000 (Jun 2021)
Tax Bill	$7,022 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H02830`

Property Details

APN / Parcel Number

Primary APN	`H02830`
Alternative APNs	`LOWE M:233 B:3730 L:105` `M:000233 T:H02830`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,864 sqft Living Area
Gross Area	3,266 sqft
1st Floor Area	1,001 sqft
Basement Area	871 sqft
Unfinished Basement	871 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	H02830
Street Address	105 LUCE ST
City	LOWELL
State	MA
Zip	01852-3048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	3730
Legal Lot Number	105
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2013
Census Tract	312502

Owner

105 Luce St is owner-occupied and held in a trust since January 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	105 LUCE ST, LOWELL, MA 01852-3048
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 20, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 24, 2020	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Jun 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Mar 19, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	Mar 19, 2018 · Amount on File
Deed Document Number	202134907
Deed Book / Page	35872 / 272
Last Transfer Date	Jan 8, 2026
Transfer Doc	039872-289
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 20, 2026
Property Address	105 LUCE ST, LOWELL, MA 01852-3048
Document Number	039872-289
Book / Page	39872 / 289
Instrument Date	Jan 8, 2026
Instrument	5046
Transaction Type	Transfer
Record Updated	Mar 11, 2026

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	105 LUCE ST, LOWELL, MA 01852-3048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	105 LUCE ST, LOWELL, MA 01852-3048
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033776-207
Date	Jan 24, 2020
Book Page	33776/207
Instrument	3431

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2027

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 14, 2021
Property Address	105 LUCE ST, LOWELL, MA 01852-3048
Document Number	035872-272
Book / Page	35872 / 272
Instrument Date	Jun 14, 2021
Instrument	34907
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Relationship	Tenants by the Entirety
Address	105 LUCE ST, LOWELL, MA 01852-3048

Mortgage

Document Number	0000034908
Date	Jun 14, 2021
Instrument	34908

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 19, 2018
Property Address	105 LUCE ST, LOWELL, MA 01852-3048
Document Number	31937-72
Book / Page	031937 / 000072
Instrument Date	Mar 19, 2018
Instrument	10673
Transaction Type	Transfer
Record Updated	Apr 10, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,177.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 LUCE ST LOWELL MA 018523048, LOWELL, MA 01852-3048

Mortgage

Document Number	31937-75
Date	Mar 19, 2018
Book Page	031937/000075
Instrument	10674

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 105 Luce St was $7,022, up 7.4% 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	$7,022.00 (+7.39%)	$618,700 (+8.62%) Land $252,000 Building $366,700	$629,787 (-10.47%)
2025	$6,539.00 (-0.91%)	$569,600 (+2.8%) Land $235,600 Building $334,000	$703,475 (-4.56%)
2024	$6,599.00 (+6.06%)	$554,100 (+10.6%) Land $220,100 Building $334,000	$737,105
2023	$6,222.00	$501,000 Land $191,400 Building $309,600

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

Flood

FEMA maps place 105 Luce 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 105 Luce 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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