Middlesex County and Lowell City property record for 178 D St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,717 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $455,000 (Sep 2022) |
| Tax Bill | $5,000 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B12860 |
| Primary APN | B12860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,717 sqft Living Area |
| Gross Area | 2,668 sqft |
| 1st Floor Area | 935 sqft |
| Basement Area | 935 sqft |
| Unfinished Basement | 935 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | B12860 |
|---|---|
| Street Address | 178 D ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-4347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 1620 |
| Legal Lot Number | 178 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 311500 |
Source: Middlesex County and Lowell City records · APN B12860
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 178 D ST, LOWELL, MA 01851-4347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MTG |
| Sep 09, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU |
| Oct 29, 2021 | Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MTG |
| Dec 15, 2017 | Quit Claim Deed, Transfer · FHA Mortgage ROSS MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2022 · Amount on Record |
| Deed Sale | Sep 09, 2022 · Amount on Record |
| Prior Sale | Dec 15, 2017 · Amount on Record |
| Deed Book / Page | 37364 / 243 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 178 D ST, LOWELL, MA 01851-4347 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036443-169 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 36443/169 |
| Instrument | 63302 |
| Name | EQUITY PRIME MTG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 09, 2022 |
| Property Address | 178 D ST, LOWELL, MA 01851-4347 |
| Document Number | 037364-243 |
| Book / Page | 37364 / 243 |
| Instrument Date | Sep 09, 2022 |
| Instrument | 38181 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 178 D ST, LOWELL, MA 01851-4347 |
| Document Number | 0000038182 |
|---|---|
| Date | Sep 09, 2022 |
| Instrument | 38182 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.88% |
| Type Change Date | Oct 01, 2029 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Number | 037364-271 |
|---|---|
| Date | Sep 09, 2022 |
| Book Page | 37364/271 |
| Instrument | 38183 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 178 D ST, LOWELL, MA 01851-4347 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36443-169 |
|---|---|
| Date | Oct 29, 2021 |
| Book Page | 36443/169 |
| Instrument | 63302 |
| Name | EQUITY PRIME MTG |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 15, 2017 |
| Property Address | 178 D ST, LOWELL, MA 01851-4347 |
| Document Number | 31731-298 |
| Book / Page | 31731 / 298 |
| Instrument | 56502 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.26 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 178 D ST, LOWELL, MA 01851-4347 |
| Document Number | 317320001 |
|---|---|
| Date | Dec 15, 2017 |
| Instrument | 31732/0001 |
| Name | ROSS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Dec 15, 2048 |
Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,000.00 (-1.26%) | $435,500 (+2.42%) Land $186,800 Building $248,700 | $491,340 (+1.61%) |
| 2024 | $5,064.00 (+6.3%) | $425,200 (+10.84%) Land $176,200 Building $249,000 | $483,550 |
| 2023 | $4,764.00 | $383,600 Land $153,200 Building $230,400 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 1,002 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA3160000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOWELL REGIONAL WATER UTILITY serves 120,418 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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