Middlesex County and Lowell City property record for 1296 Middlesex St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 4,273 sqft · built 1900 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $10,560 (2026) |
| Deeds & Mortgages | Jun 2023 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P09570 |
| Primary APN | P09570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 4,273 sqft Living Area |
| Gross Area | 7,526 sqft |
| 1st Floor Area | 1,644 sqft |
| Basement Area | 1,352 sqft |
| Unfinished Basement | 1,352 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Account Number | P09570 |
|---|---|
| Street Address | 1296 MIDDLESEX ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 4085 |
| Legal Lot Number | 1296 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 311300 |
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 | 1296 MIDDLESEX ST, LOWELL, MA 01851-1242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2023 | Deed of Trust, Mortgage · ARM NEW FED MORTGAGE CORP |
| May 22, 2017 | Deed of Trust, Mortgage SAGE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2016 |
| Deed Sale | Feb 22, 2016 |
| Prior Sale | Jan 25, 2016 |
| Deed Book / Page | 29820 / 107 |
| Transfer Doc | 29080-48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 1296 MIDDLESEX ST, LOWELL, MA 01851-1242 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 037927-210 |
|---|---|
| Date | Jun 30, 2023 |
| Book Page | 37927/210 |
| Instrument | 18967 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.88% |
| Type Change Date | Jul 1, 2030 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 1296 MIDDLESEX ST, LOWELL, MA 01851-1242 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31135-172 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 31135/172 |
| Instrument | 20827 |
| Name | SAGE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 1, 2047 |
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 | $10,560.00 (+6.51%) | $930,400 (+7.72%) Land $215,400 Building $715,000 | $723,294 (-6.06%) |
| 2025 | $9,915.00 (+2.22%) | $863,700 (+6.05%) Land $201,300 Building $662,400 | $769,975 (+8.68%) |
| 2024 | $9,700.00 (+5.55%) | $814,400 (+10.07%) Land $189,900 Building $624,500 | $708,510 |
| 2023 | $9,190.00 | $739,900 Land $165,100 Building $574,800 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1979–1991) |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
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.
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 240 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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