157 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 157 Smith St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	8 bd · 2 ba · 2,768 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Aug 2024)
Tax Bill	$6,830 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`F03080`

Property Details

APN / Parcel Number

Primary APN	`F03080`
Alternative APNs	`LOWE M:122 B:5400 L:157` `M:000122 T:F03080`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,768 sqft Living Area
Gross Area	5,476 sqft
1st Floor Area	1,396 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	F03080
Street Address	157 SMITH ST
City	LOWELL
State	MA
Zip	01851-3212
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	157
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2005
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	Individual Name on File
Mailing Address	157 SMITH ST, LOWELL, MA 01851-3212
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2024 · Amount on File
Deed Sale	Aug 30, 2024 · Amount on File
Prior Sale	Jul 23, 2021 · Amount on File
Deed Book / Page	38723 / 221
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 23, 2021
Property Address	157 SMITH ST, LOWELL, MA 01851-3212
Document Number	0036039-78
Book / Page	36039 / 78
Instrument Date	Jul 22, 2021
Instrument	43425
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	25 TODD ST, LOWELL, MA 01851-3323

Mortgage

Document Number	0000043426
Date	Jul 23, 2021
Instrument	43426

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$6,830.00 (+5.97%)	$601,800 (+7.2%) Land $143,500 Building $458,300	$650,542
2025	$6,445.00 (+7.69%)	$561,400 (+11.72%) Land $126,500 Building $434,900
2024	$5,985.00 (+7.57%)	$502,500 (+12.17%) Land $118,300 Building $384,200
2023	$5,564.00	$448,000 Land $102,800 Building $345,200

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 1,002 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