15 Florida St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 15 Florida St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 892 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$5,179 (2026)
Deeds & Mortgages	May 2022 Refinance Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T06220`

Property Details

APN / Parcel Number

Primary APN	`T06220`
Alternative APNs	`LOWE M:250 B:2365 L:15` `M:000250 T:T06220`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	892 sqft Living Area
Gross Area	1,952 sqft
1st Floor Area	892 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T06220
Street Address	15 FLORIDA ST
City	LOWELL
State	MA
Zip	01852-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	2365
Legal Lot Number	15
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3005
Census Tract	312502

Owner

15 Florida St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	15 FLORIDA ST, LOWELL, MA 01852-3917
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Aug 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
May 2, 2020	Deed of Trust, Mortgage · Line of Credit JEANNE D'ARC CU
Apr 3, 2018	Deed of Trust, Mortgage · Conventional with PMI JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	15 FLORIDA ST, LOWELL, MA 01852-3917
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037101-148
Date	May 27, 2022
Book Page	37101/148
Instrument	22835

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	15 FLORIDA ST, LOWELL, MA 01852-3917
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36171-137
Date	Aug 25, 2021
Book Page	36171/137
Instrument	49931

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	15 FLORIDA ST, LOWELL, MA 01852-3917
Document Number	34255-201
Instrument Date	May 2, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 FLORIDA ST LOWELL MA 018523917, LOWELL, MA 01852-3917

Mortgage

Document Number	34255-201
Date	Jun 18, 2020
Book Page	034255/000201
Instrument	26716

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 17, 2040

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	15 FLORIDA ST, LOWELL, MA 01852-3917
Document Number	31988-195
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31988-195
Date	Apr 9, 2018
Book Page	031988/000195
Instrument	13941

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 15 Florida St was $5,179, up 3% from the year before.

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	$5,179.00 (+3.04%)	$456,300 (+4.23%) Land $243,900 Building $212,400	$484,237 (+20.36%)
2025	$5,026.00 (+7.44%)	$437,800 (+11.46%) Land $228,000 Building $209,800	$402,325 (-7.23%)
2024	$4,678.00 (+6.39%)	$392,800 (+10.96%) Land $205,200 Building $187,600	$433,675
2023	$4,397.00	$354,000 Land $178,400 Building $175,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Florida St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · rainfall accumulation

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

The area around 15 Florida St has no burnable land within ember reach, so its wildfire risk is not rated.

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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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