178 Concord St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 178 Concord St, Lowell, MA 01852

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,218 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Mar 2023)
Tax Bill	$7,767 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`V02390`

Property Details

APN / Parcel Number

Primary APN	`V02390`
Alternative APNs	`LOWE M:201 B:1445 L:178` `M:000201 T:V02390`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,218 sqft Living Area
Gross Area	4,118 sqft
1st Floor Area	1,032 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 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	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	V02390
Street Address	178 CONCORD ST
City	LOWELL
State	MA
Zip	01852-2705
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	1445
Legal Lot Number	178
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2013
Census Tract	312400

Owner

178 Concord St, a duplex, is owned by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	180 CONCORD ST, 2, LOWELL, MA 01852-2705
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
Jun 23, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 31, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Dec 30, 2020	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Sep 15, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage REPUBLIC STATE MORTGAGE CO
Mar 5, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EMERALD CAPITAL LLC
Aug 13, 2018	Deed of Trust, Mortgage · Conventional Mortgage JERRY FORTUNA
Jun 30, 2017	Deed of Trust, Transfer · Conventional Mortgage AA R/E GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Dec 30, 2020 · Amount on File
Deed Book / Page	37757 / 223
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037172-24
Date	Jun 23, 2022
Book Page	37172/24
Instrument	26890

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 31, 2023
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	037757-223
Book / Page	37757 / 223
Instrument Date	Mar 31, 2023
Instrument	9000
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	46 DUCKETT AVE, LAWRENCE, MA 01843-1042

Mortgage

Document Number	0000009001
Date	Mar 31, 2023
Instrument	9001

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 30, 2020
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	35130-24
Book / Page	35130 / 24
Instrument Date	Oct 22, 2020
Instrument	68744
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Tenants by the Entirety
Address	178 CONCORD ST, LOWELL, MA 01852-2705

Mortgage

Document Number	68745
Date	Dec 30, 2020
Instrument	68745

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 15, 2020
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	34626-77
Book / Page	34626 / 77
Instrument Date	Sep 11, 2020
Instrument	44565
Transaction Type	Transfer
Record Updated	May 12, 2021

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	127 IRVING ST, EVERETT, MA 02149-4908

Mortgage

Document Number	44566
Date	Sep 15, 2020
Instrument	44566

Lender

Name	REPUBLIC STATE MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 5, 2020
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	33891-218
Book / Page	33891 / 218
Instrument Date	Dec 31, 2019
Instrument	9849
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	243 STONEBRIDGE DR, NASHUA, NH 03063-5012

Mortgage

Document Number	9850
Date	Mar 5, 2020
Instrument	9850

Lender

Name	EMERALD CAPITAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	32346-15
Instrument Date	Aug 13, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	61 MEDWAY ST NORFOLK MA 020561348, NORFOLK, MA 02056-1348

Mortgage

Document Number	32346-15
Date	Aug 22, 2018
Book Page	032346/000015
Instrument	36440

Lender

Name	JERRY FORTUNA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	178 CONCORD ST, LOWELL, MA 01852-2705
Document Number	31258-57
Book / Page	031258 / 000057
Instrument Date	Jun 30, 2017
Transaction Type	Transfer
Record Updated	Jul 19, 2017

Transaction

Additional	Intrafamily Transfer

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	31258-57
Date	Jun 30, 2017
Book Page	031258/000057
Instrument	28125

Lender

Name	AA R/E GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 178 Concord St was $7,767, up 5.5% 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	$7,767.00 (+5.54%)	$684,300 (+6.76%) Land $110,000 Building $574,300	$643,785
2025	$7,359.00 (+7.35%)	$641,000 (+11.36%) Land $95,900 Building $545,100
2024	$6,855.00 (+7.23%)	$575,600 (+11.83%) Land $93,900 Building $481,700
2023	$6,393.00	$514,700 Land $81,700 Building $433,000

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

Flood

FEMA maps place 178 Concord 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.

Wildfire

The area around 178 Concord 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 643 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

178 Concord St, Lowell, MA 01852 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2017: Deed of Trust, Transfer

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Concord St

Nearby Streets

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