Middlesex County and Lowell City property record for 118 Ludlam St, Lowell, MA 01850
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,267 sqft · built 1920 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Jun 2015) |
| Tax Bill | $4,479 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | S02960 |
| Primary APN | S02960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,267 sqft Living Area |
| Gross Area | 2,324 sqft |
| 1st Floor Area | 704 sqft |
| Basement Area | 704 sqft |
| Unfinished Basement | 704 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | S02960 |
|---|---|
| Street Address | 118 LUDLAM ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-1227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | USF |
| Legal Block | 3735 |
| Legal Lot Number | 118 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 310300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 118 LUDLAM ST, LOWELL, MA 01850-1227 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 2015 · Amount on Record |
| Deed Sale | Jun 26, 2015 · Amount on Record |
| Prior Sale | Jun 15, 1994 · Amount on Record |
| Deed Book / Page | 29187 / 224 |
| Transfer Doc | 029187-224 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 118 LUDLAM ST, LOWELL, MA 01850-1227 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036647-215 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 36647/215 |
| Instrument | 73663 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
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 | $4,479.00 (+6.49%) | $394,600 (+7.7%) Land $116,800 Building $277,800 | $523,813 (+44.45%) |
| 2025 | $4,206.00 (+0.94%) | $366,400 (+4.72%) Land $109,100 Building $257,300 | $362,615 (+5.12%) |
| 2024 | $4,167.00 (+6.08%) | $349,900 (+10.62%) Land $108,500 Building $241,400 | $344,945 |
| 2023 | $3,928.00 | $316,300 Land $94,300 Building $222,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 484 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 |
May also be available: T-Mobile.
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