109 Beech St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 109 Beech St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,608 sqft · built 1920
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Tax Bill	$6,229 (2026)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M07130`

Property Details

APN / Parcel Number

Primary APN	`M07130`
Alternative APNs	`LOWE M:196 B:475 L:109` `M:000196 T:M07130`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,608 sqft Living Area
Gross Area	4,178 sqft
1st Floor Area	1,067 sqft
Basement Area	1,067 sqft
Unfinished Basement	1,067 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	M07130
Street Address	109 BEECH ST
City	LOWELL
State	MA
Zip	01850-2167
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	475
Legal Lot Number	109
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	4
Census Block	4003
Census Tract	310200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 BEECH ST, LOWELL, MA 01850-2167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage READING COOPERATIVE BANK
Nov 27, 2018	Quit Claim Deed, Transfer DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	109 BEECH ST, LOWELL, MA 01850-2167
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039700-49
Date	Nov 26, 2025
Book Page	39700/49
Instrument	38410

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 27, 2018
Property Address	109 BEECH ST, LOWELL, MA 01850-2167
Document Number	32594-151
Book / Page	32594 / 151
Instrument	51572
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$34.91
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32594-155
Date	Nov 27, 2018
Book Page	32594/155
Instrument	51573

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

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
2026	$6,229.00 (+4.6%)	$548,800 (+5.8%) Land $147,300 Building $401,500	$569,771
2025	$5,955.00 (+7.39%)	$518,700 (+11.4%) Land $137,600 Building $381,100
2024	$5,545.00 (+7.65%)	$465,600 (+12.27%) Land $128,700 Building $336,900
2023	$5,151.00	$414,700 Land $111,900 Building $302,800

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	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 1,079 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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