Middlesex County and Lowell City property record for 118 D St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,599 sqft · built 1892 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $471,000 (Aug 2025) |
| Tax Bill | $5,167 (2026) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M13170 |
| Primary APN | M13170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,599 sqft Living Area |
| Gross Area | 2,833 sqft |
| 1st Floor Area | 904 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1892 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | M13170 |
|---|---|
| Street Address | 118 D ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-4340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 1620 |
| Legal Lot Number | 118 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311700 |
118 D St is owned and occupied by an individual who bought it in August 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 118 D ST, LOWELL, MA 01851-4340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 17, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage WEBSTER BANK |
| Aug 11, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage WEBSTER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2025 · Amount on File |
| Deed Sale | Aug 11, 2025 · Amount on File |
| Prior Sale | Apr 25, 1996 · Amount on File |
| Deed Document Number | 20252025017 |
| Deed Book / Page | 39445 / 100 |
| Prior Transfer Date | Aug 8, 2025 |
| Prior Transfer Doc | 039445-100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 118 D ST, LOWELL, MA 01851-4340 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039597-145 |
|---|---|
| Date | Oct 17, 2025 |
| Book Page | 39597/145 |
| Instrument | 33171 |
| Name | WEBSTER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 11, 2025 |
| Property Address | 118 D ST, LOWELL, MA 01851-4340 |
| Document Number | 039445-100 |
| Book / Page | 39445 / 100 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 202502025017 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 202500025018 |
|---|---|
| Date | Aug 11, 2025 |
| Instrument | 202500025018 |
| Name | WEBSTER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Number | 039445-128 |
|---|---|
| Date | Aug 11, 2025 |
| Book Page | 39445/128 |
| Instrument | 25019 |
| Name | FEDERAL HOME LOAN BANK OF BOSTON |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 118 D St was $5,167, 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 | $5,167.00 (+6.4%) | $455,200 (+7.61%) Land $152,600 Building $302,600 | $477,647 (+7.92%) |
| 2025 | $4,856.00 (+3.87%) | $423,000 (+7.77%) Land $142,700 Building $280,300 | $442,605 (+9.55%) |
| 2024 | $4,675.00 (+6.13%) | $392,500 (+10.66%) Land $128,300 Building $264,200 | $404,035 |
| 2023 | $4,405.00 | $354,700 Land $111,600 Building $243,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 D 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.
The area around 118 D St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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 |
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