145 Starr Ave, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 145 Starr Ave, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,880 sqft · built 1965
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (Dec 2017)
Tax Bill	$6,786 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jun 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`F05040`

Property Details

APN / Parcel Number

Primary APN	`F05040`
Alternative APNs	`LOWE M:234 B:5505 L:145` `M:000234 T:F05040`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	1,240 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	F05040
Street Address	145 STARR AVE
City	LOWELL
State	MA
Zip	01852-2933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5505
Legal Lot Number	145
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	312502

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	145 STARR AVE, LOWELL, MA 01852-2933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST FEDERAL BANK
Jun 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Jul 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Mar 11, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) JEANNE D ARC CU
Jun 1, 2022	Quit Claim Deed, Transfer · ARM JEANNE D ARC CU
Dec 21, 2017	Quit Claim Deed, Transfer CBC NATIONAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Document Number	201757383
Deed Book / Page	31746 / 211
Last Transfer Date	May 26, 2022
Transfer Doc	0037113-37
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035178-122
Date	Jan 12, 2021
Book Page	35178/122
Instrument	1810

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037113-61
Date	Jun 1, 2022
Book Page	37113/61
Instrument	23476

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2047

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037955-100
Date	Jul 17, 2023
Book Page	37955/100
Instrument	20621

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2043

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038365-226
Date	Mar 11, 2024
Book Page	38365/226
Instrument	6188

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 1, 2022
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Document Number	0037113-37
Book / Page	37113 / 37
Instrument Date	May 26, 2022
Instrument	23474
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	145 STARR AVE, LOWELL, MA 01852-2933

Mortgage

Document Number	0000023475
Date	Jun 1, 2022
Instrument	23475

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Jun 1, 2029
Index	1-Year CMT

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 21, 2017
Property Address	145 STARR AVE, LOWELL, MA 01852-2933
Document Number	31746-211
Book / Page	31746 / 211
Instrument	57383
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 STARR AVE, LOWELL, MA 01852-2933

Mortgage

Document Number	317460216
Date	Dec 21, 2017
Instrument	31746/0216

Lender

Name	CBC NATIONAL BK

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 21, 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	$6,786.00 (+7.59%)	$597,900 (+8.83%) Land $259,400 Building $338,500	$614,907 (+0.04%)
2025	$6,307.00 (-0.77%)	$549,400 (+2.94%) Land $242,400 Building $307,000	$614,650 (+1.49%)
2024	$6,356.00 (+6.52%)	$533,700 (+11.09%) Land $226,600 Building $307,100	$605,625
2023	$5,967.00	$480,400 Land $197,000 Building $283,400

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 · 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 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 489 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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