17 Waugh St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 17 Waugh St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,720 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$471,000 (Jan 2021)
Tax Bill	$6,521 (2026)
Deeds & Mortgages	May 2025 Line of Credit Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P00780`

Property Details

APN / Parcel Number

Primary APN	`P00780`
Alternative APNs	`LOWE M:101 B:6170 L:17` `M:000101 T:P00780`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	4,430 sqft
1st Floor Area	1,308 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	P00780
Street Address	17 WAUGH ST
City	LOWELL
State	MA
Zip	01854-3010
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	6170
Legal Lot Number	17
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2012
Census Tract	310700

Owner

17 Waugh St, a duplex, is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	17 WAUGH ST, LOWELL, MA 01854-3010
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 20, 2025	Deed of Trust, Mortgage · Line of Credit JEANNE D ARC CU
Jun 23, 2017	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
Jan 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on File
Deed Sale	Jan 8, 2021 · Amount on File
Prior Sale	Sep 29, 2000 · Amount on File
Deed Document Number	20211176
Deed Book / Page	35163 / 78
Prior Transfer Date	Jan 5, 2021
Prior Transfer Doc	35163-78
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	17 WAUGH ST, LOWELL, MA 01854-3010
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039258-276
Date	May 20, 2025
Book Page	39258/276
Instrument	14846

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2045

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	17 WAUGH ST, LOWELL, MA 01854-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31230-177
Date	Jun 23, 2017
Book Page	31230/177
Instrument	26497

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jun 1, 2057

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 8, 2021
Property Address	17 WAUGH ST, LOWELL, MA 01854-3010
Document Number	35163-78
Book / Page	35163 / 78
Instrument Date	Jan 5, 2021
Instrument	1176
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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
Address	17 WAUGH ST, LOWELL, MA 01854-3010
Investor	Possibly a Property Investor

Mortgage

Document Number	1177
Date	Jan 8, 2021
Instrument	1177

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 17 Waugh St was $6,521, up 5.7% 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	$6,521.00 (+5.72%)	$574,500 (+6.92%) Land $118,200 Building $456,300	$665,863
2025	$6,168.00 (+5.35%)	$537,300 (+9.3%) Land $97,500 Building $439,800
2024	$5,855.00 (+7.35%)	$491,600 (+11.96%) Land $91,100 Building $400,500
2023	$5,454.00	$439,100 Land $79,200 Building $359,900

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

Flood

FEMA maps place 17 Waugh St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 17 Waugh 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 804 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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