Middlesex County and Lowell City property record for 109 Arbor Rd, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,910 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $153,500 (Jul 1996) |
| Tax Bill | $6,073 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M21975 |
| Primary APN | M21975 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,910 sqft Living Area |
| Gross Area | 3,542 sqft |
| 1st Floor Area | 1,046 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | M21975 |
|---|---|
| Street Address | 109 ARBOR RD |
| City | LOWELL |
| State | MA |
| Zip | 01852-3136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Subdivision | ARBOR ROAD ESTATES |
| Legal Block | 200 |
| Legal Lot Number | 109 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 312502 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 109 ARBOR RD, LOWELL, MA 01852-3136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 1996 · Amount on Record |
| Deed Sale | Jul 26, 1996 · Amount on Record |
| Prior Sale | Dec 18, 1987 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 109 ARBOR RD, LOWELL, MA 01852-3136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31815-73 |
|---|---|
| Date | Jan 22, 2018 |
| Book Page | 31815/73 |
| Instrument | 2949 |
| Name | THIRD FEDERAL S& L |
|---|
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,073.00 (-0.64%) | $529,000 (+3.08%) Land $241,700 Building $287,300 | $606,860 (+5.4%) |
| 2024 | $6,112.00 (+6.59%) | $513,200 (+11.15%) Land $225,800 Building $287,400 | $575,795 |
| 2023 | $5,734.00 | $461,700 Land $196,400 Building $265,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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