Middlesex County and Lowell City property record for 168 School St, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,379 sqft · built 1900 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (May 2026) |
| Tax Bill | $4,249 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | P08665 |
| Primary APN | P08665 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,379 sqft Living Area |
| Gross Area | 2,508 sqft |
| 1st Floor Area | 942 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | P08665 |
|---|---|
| Street Address | 168 SCHOOL ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TMF |
| Legal Block | 5240 |
| Legal Lot Number | 168 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 310700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
168 School St is owned and occupied by an individual who bought it in May 2026.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SALEM FIVE MORTGAGE CORP |
| May 27, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA |
| Apr 29, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SALEM FIVE MORTGAGE CORP |
| Apr 29, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SALEM FIVE MORTGAGE CORP |
| Apr 29, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on File |
| Deed Sale | May 27, 2026 · Amount on File |
| Prior Sale | Apr 29, 2021 · Amount on File |
| Deed Document Number | 202616270 |
| Deed Book / Page | 40084 / 267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 035682-136 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 35682/136 |
| Instrument | 25421 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 27, 2026 |
| Property Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Document Number | 040084-267 |
| Book / Page | 40084 / 267 |
| Instrument Date | May 20, 2026 |
| Instrument | 202616270 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Date | May 27, 2026 |
|---|
| Name | LEADER BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35682-136 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 35682/136 |
| Instrument | 25421 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35682-123 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 35682/123 |
| Instrument | 25420 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 29, 2021 |
| Property Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Document Number | 35682-102 |
| Book / Page | 35682 / 102 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 25418 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 168 SCHOOL ST, LOWELL, MA 01854-3232 |
| Document Number | 25419 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 25419 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 035682-123 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 35682/123 |
| Instrument | 25420 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2026 property tax bill for 168 School St was $4,249, up 10.4% from the year before.
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 | $4,249.00 (+10.45%) | $374,400 (+11.73%) Land $118,000 Building $256,400 | $445,444 (+11.72%) |
| 2025 | $3,847.00 (+2.42%) | $335,100 (+6.25%) Land $97,300 Building $237,800 | $398,715 (+7.29%) |
| 2024 | $3,756.00 (+5.77%) | $315,400 (+10.32%) Land $91,000 Building $224,400 | $371,640 |
| 2023 | $3,551.00 | $285,900 Land $79,100 Building $206,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 168 School St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims | 1 (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.
The area around 168 School 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.
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 434 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 |
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