11 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 11 Smith St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,273 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Dec 2003)
Tax Bill	$5,225 (2025)
Deeds & Mortgages	Jun 2021 Refinance Feb 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`S13040`

Property Details

APN / Parcel Number

Primary APN	`S13040`
Alternative APNs	`LOWE M:121 B:5400 L:11` `M:000121 T:S13040`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,273 sqft Living Area
Gross Area	3,845 sqft
1st Floor Area	1,236 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S13040
Street Address	11 SMITH ST
City	LOWELL
State	MA
Zip	01851-1818
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	11
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1016
Census Tract	311200

Owner

Source: Middlesex County and Lowell City assessment roll, as of April 14, 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 File
Mailing Address	11 SMITH ST, LOWELL, MA 01851-1818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Feb 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 24, 2003 · Amount on Record
Deed Sale	Dec 24, 2003 · Amount on Record
Deed Book / Page	188 / 165
Last Transfer Date	Feb 11, 2019
Transfer Doc	0000299515
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	11 SMITH ST, LOWELL, MA 01851-1818
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000311651
Date	Jun 28, 2021
Instrument	311651

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	11 SMITH ST, LOWELL, MA 01851-1818
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000299516
Date	Feb 19, 2019
Instrument	299516

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$5,225.00 (+7.58%)	$455,100 (+11.6%) Land $108,900 Building $346,200
2024	$4,857.00 (+7.55%)	$407,800 (+12.16%) Land $101,800 Building $306,000
2023	$4,516.00	$363,600 Land $88,500 Building $275,100

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 USA.

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