Middlesex County and Lowell City property record for 109 Townsend Ave, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,593 sqft · built 1900 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,338 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | B03700 |
| Primary APN | B03700 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,593 sqft Living Area |
| Gross Area | 2,529 sqft |
| 1st Floor Area | 813 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 17,860 sqft (0.41 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | B03700 |
|---|---|
| Street Address | 109 TOWNSEND AVE |
| City | LOWELL |
| State | MA |
| Zip | 01854-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 5750 |
| Legal Lot Number | 109 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 310601 |
109 Townsend Ave is owned and occupied by an individual.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 TOWNSEND AVE, LOWELL, MA 01854-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Townsend Ave was $5,338, up 6.4% from the year before.
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 |
|---|---|---|---|
| 2026 | $5,338.00 (+6.38%) | $470,300 (+7.6%) Land $195,800 Building $274,500 | $446,928 (-2.56%) |
| 2025 | $5,018.00 (+2.64%) | $437,100 (+6.48%) Land $182,900 Building $254,200 | $458,660 (-2.19%) |
| 2024 | $4,889.00 (+6.68%) | $410,500 (+11.25%) Land $171,000 Building $239,500 | $468,920 |
| 2023 | $4,583.00 | $369,000 Land $148,600 Building $220,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Townsend Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 54 (1978–2026) |
| Claims Outside the SFHA | 3 of 54 |
| Most Recent Claim | Apr 2026 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 109 Townsend Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: T-Mobile.
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