120 Walker St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 120 Walker St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,263 sqft · built 1900
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (May 2005)
Tax Bill	$5,886 (2026)
Deeds & Mortgages	Jan 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`P04190`

Property Details

APN / Parcel Number

Primary APN	`P04190`
Alternative APNs	`LOWE M:101 B:6085 L:120` `M:000101 T:P04190`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,263 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	P04190
Street Address	120 WALKER ST
City	LOWELL
State	MA
Zip	01854-3125
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	6085
Legal Lot Number	120
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	310700

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	13 ALGONQUIN RD, CHELMSFORD, MA 01824-4763
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2005 · Amount on Record
Deed Sale	May 31, 2005 · Amount on Record
Prior Sale	Jul 18, 2003 · Amount on Record
Last Transfer Date	Sep 6, 2024
Transfer Doc	0038741-51
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 28, 2022
Property Address	120 WALKER ST, LOWELL, MA 01854-3125
Document Number	036764-255
Book / Page	36764 / 255
Instrument Date	Jan 27, 2022
Instrument	4413
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13 ALGONQUIN RD, CHELMSFORD, MA 01824-4763

Mortgage

Document Number	036764-258
Date	Jan 28, 2022
Book Page	36764/258
Instrument	4414

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

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	Assessed Market Value
2026	$5,886.00 (+7.14%)	$518,600 (+8.36%) Land $109,500 Building $409,100	$574,545
2025	$5,494.00 (+7.87%)	$478,600 (+11.93%) Land $90,300 Building $388,300
2024	$5,093.00 (+7.38%)	$427,600 (+11.97%) Land $84,400 Building $343,200
2023	$4,743.00	$381,900 Land $73,400 Building $308,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 97% of the US · lower than 94% 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 434 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