148 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 148 Smith St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,503 sqft · built 1890
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$82,500 (Apr 1997)
Tax Bill	$4,779 (2026)
Deeds & Mortgages	Jan 2022 Refinance May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`W02160`

Property Details

APN / Parcel Number

Primary APN	`W02160`
Alternative APNs	`LOWE M:122 B:5400 L:148` `M:000122 T:W02160`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,503 sqft Living Area
Gross Area	2,868 sqft
1st Floor Area	975 sqft
Basement Area	975 sqft
Unfinished Basement	975 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	W02160
Street Address	148 SMITH ST
City	LOWELL
State	MA
Zip	01851-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	148
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2002
Census Tract	311800

Owner

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	148 SMITH ST, LOWELL, MA 01851-3213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TEAMWORK
Dec 16, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 1997 · Amount on Record
Deed Sale	Apr 11, 1997 · Amount on Record
Prior Sale	Jan 14, 1997 · Amount on Record
Deed Book / Page	8513 / 208
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	148 SMITH ST, LOWELL, MA 01851-3213
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036699-227
Date	Jan 6, 2022
Book Page	36699/227
Instrument	202200000865

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	148 SMITH ST, LOWELL, MA 01851-3213
Document Number	32134-21
Instrument Date	May 31, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 SMITH ST LOWELL MA 018513213, LOWELL, MA 01851-3213

Mortgage

Document Number	32134-21
Date	Jun 7, 2018
Book Page	032134/000021
Instrument	23090

Lender

Name	COMMUNITY TEAMWORK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	148 SMITH ST, LOWELL, MA 01851-3213
Document Number	31753-244
Book / Page	031753 / 000244
Instrument Date	Dec 16, 2017
Transaction Type	Mortgage
Record Updated	Jan 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	31753-244
Date	Dec 26, 2017
Book Page	031753/000244
Instrument	57789

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2047

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	$4,779.00 (+1.23%)	$421,100 (+2.41%) Land $157,000 Building $264,100	$476,143 (+45.83%)
2025	$4,721.00 (+2.61%)	$411,200 (+6.45%) Land $138,500 Building $272,700	$326,515 (-14.4%)
2024	$4,601.00 (+6.19%)	$386,300 (+10.72%) Land $129,400 Building $256,900	$381,425
2023	$4,333.00	$348,900 Land $112,600 Building $236,300

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 571 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

May also be available: T-Mobile.

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