Middlesex County and Lowell City property record for 1320 Middlesex St, Lowell, MA 01851
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3 ba · 10,270 sqft · built 1955 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,000,000 (Dec 2021) |
| Tax Bill | $22,844 (2026) |
| Deeds & Mortgages | Jun 2023 Refinance Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T08165 |
| Primary APN | T08165 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 10,270 sqft Total Area |
| Gross Area | 12,878 sqft |
| 1st Floor Area | 9,630 sqft |
| Basement Area | 1,880 sqft |
| Unfinished Basement | 1,880 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Tar & Gravel |
| Lot Area | 30,928 sqft (0.71 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | T08165 |
|---|---|
| Street Address | 1320 MIDDLESEX ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1220 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | LI |
| Legal Subdivision | LIVINGSTON |
| Legal Block | 4085 |
| Legal Lot Number | 1320 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 1320 MIDDLESEX ST, LOWELL, MA 01851-1220 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK |
| Dec 21, 2021 | Quit Claim Deed, Transfer · Commercial Mortgage SALEM FIVE CENTS SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Oct 29, 2010 |
| Deed Document Number | 202173617 |
| Prior Transfer Date | Dec 20, 2021 |
| Prior Transfer Doc | 036646-233 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 1320 MIDDLESEX ST, LOWELL, MA 01851-1220 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 037916-197 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 37916/197 |
| Instrument | 18377 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 21, 2021 |
| Property Address | 1320 MIDDLESEX ST, LOWELL, MA 01851-1220 |
| Document Number | 036646-233 |
| Book / Page | 36646 / 233 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 73617 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1320 MIDDLESEX ST, LOWELL, MA 01851-1220 |
| Document Number | 0000073618 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 73618 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $22,844.00 (+6.41%) | $1,036,500 (+8%) Land $221,800 Building $814,700 |
| 2025 | $21,468.00 (+0.41%) | $959,700 (+4.45%) Land $207,400 Building $752,300 |
| 2024 | $21,380.00 (+19.39%) | $918,800 (+24.99%) Land $197,600 Building $721,200 |
| 2023 | $17,907.00 | $735,100 Land $179,600 Building $555,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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