Middlesex County and Lowell City property record for 14 Carter St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,197 sqft · built 1900 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $350,000 (Sep 2021) |
| Tax Bill | $4,279 (2026) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Oct 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O03215 |
| Primary APN | O03215 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,197 sqft Living Area |
| Gross Area | 2,196 sqft |
| 1st Floor Area | 838 sqft |
| Basement Area | 578 sqft |
| Unfinished Basement | 578 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | O03215 |
|---|---|
| Street Address | 14 CARTER ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-4610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TMF |
| Legal Block | 1070 |
| Legal Lot Number | 14 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 312100 |
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 | 14 CARTER ST, LOWELL, MA 01852-4610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Oct 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Jun 27, 2019 | Deed of Trust, Mortgage · Conventional with PMI ALIGN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2021 · Amount on Record |
| Deed Sale | Sep 24, 2021 · Amount on Record |
| Prior Sale | Sep 1, 2015 · Amount on Record |
| Deed Book / Page | 36299 / 77 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 24, 2021 |
| Property Address | 14 CARTER ST, LOWELL, MA 01852-4610 |
| Document Number | 36299-77 |
| Book / Page | 36299 / 77 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 56236 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2021 |
| 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 |
|---|---|
| Relationship | Joint Venture |
| Address | 14 CARTER ST, LOWELL, MA 01852-4610 |
| Document Number | 56237 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 56237 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Number | 0036299-96 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 36299/96 |
| Instrument | 56238 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 14 CARTER ST, LOWELL, MA 01852-4610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34775-263 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 34775/263 |
| Instrument | 51705 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 14 CARTER ST, LOWELL, MA 01852-4610 |
| Document Number | 33120-247 |
| Instrument Date | Jun 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 14 CARTER ST LOWELL MA 018524610, LOWELL, MA 01852-4610 |
| Document Number | 33120-247 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 033120/000247 |
| Instrument | 26587 |
| Name | ALIGN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
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 | $4,279.00 (+3.91%) | $377,000 (+5.1%) Land $133,000 Building $244,000 | $391,170 (+6.54%) |
| 2025 | $4,118.00 (+6.68%) | $358,700 (+10.68%) Land $124,300 Building $234,400 | $367,175 (-4.09%) |
| 2024 | $3,860.00 (+1.82%) | $324,100 (+6.19%) Land $112,100 Building $212,000 | $382,850 |
| 2023 | $3,791.00 | $305,200 Land $97,500 Building $207,700 |
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 Policies | 2 in force |
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 744 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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