114 Manchester St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 114 Manchester St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 2014
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$517,500 (Aug 2021)
Tax Bill	$6,064 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K09085`

Property Details

APN / Parcel Number

Primary APN	`K09085`
Alternative APNs	`LOWE M:0166 B:3825 L:0114` `M:000166 T:K09085`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,932 sqft
1st Floor Area	696 sqft
Attic	Attic
Attic Area	352 sqft
Basement Area	696 sqft
Unfinished Basement	696 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 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	K09085
Street Address	114 MANCHESTER ST
City	LOWELL
State	MA
Zip	01852-4529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	3825
Legal Lot Number	114
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	312200

Owner

114 Manchester St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	114 MANCHESTER ST, LOWELL, MA 01852-4529
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVEO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2021 · Amount on File
Deed Sale	Aug 23, 2021 · Amount on File
Prior Sale	Jun 19, 2013 · Amount on File
Deed Document Number	2021312565
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 23, 2021
Property Address	114 MANCHESTER ST, LOWELL, MA 01852-4529
Document Number	312565
Instrument Date	Aug 23, 2021
Instrument	312565
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	114 MANCHESTER ST, LOWELL, MA 01852-4529

Mortgage

Document Number	312566
Date	Aug 23, 2021
Instrument	312566

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	114 MANCHESTER ST, LOWELL, MA 01852-4529
Document Number	0000305309
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 MANCHESTER ST LOWELL MA 018524529, LOWELL, MA 01852-4529

Mortgage

Document Number	0000305309
Date	May 26, 2020
Instrument	305309

Lender

Name	NAVEO CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 114 Manchester St was $6,064, up 8.2% from the year before.

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	$6,064.00 (+8.17%)	$534,300 (+9.42%) Land $176,000 Building $358,300	$546,566 (-2.83%)
2025	$5,606.00 (-1.6%)	$488,300 (+2.09%) Land $159,700 Building $328,600	$562,495 (-3.96%)
2024	$5,697.00 (+5.01%)	$478,300 (+9.5%) Land $149,300 Building $329,000	$585,675
2023	$5,425.00	$436,800 Land $129,800 Building $307,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 114 Manchester St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 114 Manchester St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T.

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