123 Warwick St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 123 Warwick St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,186 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Sep 1999)
Tax Bill	$6,063 (2026)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S16000`

Property Details

APN / Parcel Number

Primary APN	`S16000`
Alternative APNs	`LOWE M:105 B:6140 L:123` `M:000105 T:S16000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,186 sqft Living Area
Gross Area	3,606 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S16000
Street Address	123 WARWICK ST
City	LOWELL
State	MA
Zip	01851-4309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	6140
Legal Lot Number	123
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3010
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	123 WARWICK ST, LOWELL, MA 01851-4309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1999 · Amount on Record
Deed Sale	Sep 1, 1999 · Amount on Record
Prior Sale	Jun 28, 1996 · Amount on Record
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	123 WARWICK ST, LOWELL, MA 01851-4309
Document Number	32629-123
Instrument Date	Dec 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 WARWICK ST LOWELL MA 018514309, LOWELL, MA 01851-4309

Mortgage

Document Number	32629-123
Date	Dec 10, 2018
Book Page	032629/000123
Instrument	53668

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 9, 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	Assessed Market Value
2026	$6,063.00 (+4.81%)	$534,200 (+6.01%) Land $170,300 Building $363,900	$642,940 (+17.17%)
2025	$5,785.00 (+3.75%)	$503,900 (+7.62%) Land $159,200 Building $344,700	$548,720 (+6.47%)
2024	$5,576.00 (+5.93%)	$468,200 (+10.48%) Land $143,200 Building $325,000	$515,375
2023	$5,264.00	$423,800 Land $124,500 Building $299,300

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
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