110 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 110 Smith St, Lowell, MA 01851

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,269 sqft · built 2007
Lot Size	0.36 acres (15,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (Aug 2015)
Tax Bill	$6,033 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`C20230`

Property Details

APN / Parcel Number

Primary APN	`C20230`
Alternative APNs	`LOWE M:122 B:5400 L:110 U:110` `M:000122 T:C20230`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	5 Units
Stories	3 Stories
Building Area	1,269 sqft Living Area
Gross Area	2,945 sqft
1st Floor Area	461 sqft
Attic	Attic
Attic Area	644 sqft
Basement Area	461 sqft
Unfinished Basement	461 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,694 sqft (0.36 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	C20230
Street Address	110 SMITH ST
City	LOWELL
State	MA
Zip	01851-2676
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	110
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2002
Census Tract	311800

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	2 Individual Names on Record
Mailing Address	110 SMITH ST, LOWELL, MA 01851-2676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2018	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2015 · Amount on Record
Deed Sale	Aug 31, 2015 · Amount on Record
Prior Sale	Sep 26, 2008 · Amount on Record
Deed Book / Page	29385 / 223
Transfer Doc	029385-223
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	110 SMITH ST, LOWELL, MA 01851-2676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31847-231
Date	Feb 5, 2018
Book Page	31847/231
Instrument	5041

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	110 SMITH ST, LOWELL, MA 01851-2676
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34840-173
Date	Oct 30, 2020
Book Page	34840/173
Instrument	54830

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

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	$6,033.00 (+2.43%)	$531,500 (+3.59%) Building $531,500	$464,547 (+13.09%)
2025	$5,890.00 (+6.26%)	$513,100 (+10.25%) Building $513,100	$410,780 (+6.45%)
2024	$5,543.00 (+18.19%)	$465,400 (+23.25%) Building $465,400	$385,890
2023	$4,690.00	$377,600 Building $377,600

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 571 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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