Middlesex County and Lowell City property record for 175 Smith St, Lowell, MA 01851
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,225 sqft · built 1910 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Mar 2020) |
| Tax Bill | $5,537 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S00855 |
| Primary APN | S00855 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,225 sqft Living Area |
| Gross Area | 3,640 sqft |
| 1st Floor Area | 948 sqft |
| Basement Area | 948 sqft |
| Unfinished Basement | 948 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | S00855 |
|---|---|
| Street Address | 175 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 | 175 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 311800 |
175 Smith St, a duplex, is owned by two individuals who acquired it in August 2021.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 60 BELLE AVE, MEDFORD, MA 02155-1344 |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST GUARANTY MORTGAGE |
| Aug 9, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance FIRST GUARANTY MORTGAGE |
| Mar 25, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on File |
| Deed Sale | Mar 25, 2020 · Amount on File |
| Prior Sale | Mar 22, 2007 · Amount on File |
| Deed Document Number | 202012719 |
| Last Transfer Date | Aug 6, 2021 |
| Transfer Doc | 0036108-30 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 175 SMITH ST, LOWELL, MA 01851-3212 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0036108-33 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 36108/33 |
| Instrument | 46817 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 9, 2021 |
| Property Address | 175 SMITH ST, LOWELL, MA 01851-3212 |
| Document Number | 36108-30 |
| Book / Page | 36108 / 30 |
| Instrument Date | Aug 6, 2021 |
| Instrument | 46816 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 60 BELLE AVE, MEDFORD, MA 02155-1344 |
| Document Number | 36108-33 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 36108/33 |
| Instrument | 46817 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 25, 2020 |
| Property Address | 175 SMITH ST, LOWELL, MA 01851-3212 |
| Document Number | 33949-274 |
| Book / Page | 33949 / 274 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 12719 |
| Transaction Type | Transfer |
| Record Updated | May 12, 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 | 60 BELLE AVE, MEDFORD, MA 02155-1344 |
| Document Number | 12720 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 12720 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 175 Smith St was $5,537, up 6.1% 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 | $5,537.00 (+6.05%) | $487,800 (+7.26%) Land $123,500 Building $364,300 | $585,150 |
| 2025 | $5,221.00 (+7.58%) | $454,800 (+11.61%) Land $109,000 Building $345,800 | |
| 2024 | $4,853.00 (+7.53%) | $407,500 (+12.14%) Land $101,800 Building $305,700 | |
| 2023 | $4,513.00 | $363,400 Land $88,600 Building $274,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 175 Smith St in Zone X, an area of minimal flood risk.
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.
The area around 175 Smith 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 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 |
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