Middlesex County and Lowell City property record for 120 Cabot St, Lowell, MA 01854
| Property Type | Boarding House, Apartment Hotel |
|---|---|
| Details | 9 bd · 9 ba · 7,390 sqft · built 1954 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,885 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | P04150 |
| Primary APN | P04150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 9 Baths |
| Total Rooms | 23 Rooms |
| Units | 19 Units |
| Stories | 3 Stories |
| Building Area | 7,390 sqft Living Area |
| Gross Area | 10,098 sqft |
| 1st Floor Area | 3,275 sqft |
| Basement Area | 2,120 sqft |
| Unfinished Basement | 2,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | P04150 |
|---|---|
| Street Address | 120 CABOT ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3949 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Boarding House, Apartment Hotel |
| Local Zoning Code | UMF |
| Legal Block | 950 |
| Legal Lot Number | 120 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 388300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
120 Cabot St, a commercial property, is owned by an individual.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 SAINT MARYS DR, WESTFORD, MA 01886-3117 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 120 CABOT ST, LOWELL, MA 01854-3949 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00036073-3 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | 36073/3 |
| Instrument | 45099 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 120 Cabot St was $8,885, up 8.1% 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 |
|---|---|---|
| 2026 | $8,885.00 (+8.1%) | $782,800 (+9.34%) Land $101,400 Building $681,400 |
| 2025 | $8,219.00 (+1.16%) | $715,900 (+4.94%) Land $102,000 Building $613,900 |
| 2024 | $8,125.00 (-0.44%) | $682,200 (+3.82%) Land $88,600 Building $593,600 |
| 2023 | $8,161.00 | $657,100 Land $77,000 Building $580,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 120 Cabot St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 160 units insured incl. 153 condo units |
| Nearby Flood Claims | 3 (2006–2007) |
| Most Recent Claim | Apr 2007 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 120 Cabot 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 213 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 | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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