115 S Loring St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 115 S Loring St, Lowell, MA 01851

Property Summary

Property Type	Apartments (5+ Units)
Details	6 bd · 4 ba · 3,007 sqft · built 1910
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$485,000 (Sep 2018)
Tax Bill	$8,147 (2026)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P09660`

Property Details

APN / Parcel Number

Primary APN	`P09660`
Alternative APNs	`LOWE M:123 B:5160 L:115` `M:000123 T:P09660`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	14 Rooms
Units	4 Units
Stories	1 Story
Building Area	3,007 sqft Living Area
Gross Area	5,402 sqft
1st Floor Area	1,594 sqft
Basement Area	1,484 sqft
Unfinished Basement	1,484 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	P09660
Street Address	115 S LORING ST
City	LOWELL
State	MA
Zip	01851-4363
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	TSF
Legal Block	5160
Legal Lot Number	115
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3008
Census Tract	311700

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	5 PUTNAM RD, BILLERICA, MA 01821-5604
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Oct 29, 2004 · Amount on Record
Deed Book / Page	32443 / 104
Transfer Doc	032443-104
Record Updated	Oct 29, 2026

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 27, 2018
Property Address	115 S LORING ST, LOWELL, MA 01851-4363
Document Number	32443-104
Book / Page	032443 / 000104
Instrument Date	Sep 27, 2018
Instrument	42464
Transaction Type	Transfer
Record Updated	Jan 16, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,211.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	465 BOSTON RD BILLERICA MA 018212810, BILLERICA, MA 01821-2810

Mortgage

Document Number	32443-107
Date	Sep 27, 2018
Book Page	032443/000107
Instrument	42465

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

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
2026	$8,147.00 (+14.26%)	$717,800 (+15.57%) Land $184,000 Building $533,800
2025	$7,130.00 (+1.94%)	$621,100 (+5.77%) Land $171,900 Building $449,200
2024	$6,994.00 (-0.68%)	$587,200 (+3.56%) Land $154,700 Building $432,500
2023	$7,042.00	$567,000 Land $134,500 Building $432,500

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

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 1,002 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