Middlesex County and Lowell City property record for 184 School St, Lowell, MA 01854
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 5,684 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Apr 2019) |
| Tax Bill | $9,759 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Dec 2023 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A02900 |
| Primary APN | A02900 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 5,684 sqft Living Area |
| Gross Area | 7,626 sqft |
| 1st Floor Area | 2,051 sqft |
| Basement Area | 2,023 sqft |
| Unfinished Basement | 2,023 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | A02900 |
|---|---|
| Street Address | 184 SCHOOL ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3233 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | TMF |
| Legal Block | 5240 |
| Legal Lot Number | 184 |
| 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.
184 School St, a residential property, is owned by two individuals who bought it in April 2019.
Source: Middlesex County and Lowell City records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 291 WHEELER RD, DRACUT, MA 01826-4231 |
| 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 |
|---|---|
| Sep 28, 2026 | Deed of Trust, Mortgage TRIANGLE CREDIT UNION |
| Dec 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance TRIANGLE CREDIT UNION |
| Oct 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP |
| Nov 7, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| Apr 3, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2019 · Amount on File |
| Deed Sale | Apr 3, 2019 · Amount on File |
| Prior Sale | May 9, 2011 · Amount on File |
| Deed Document Number | 201912134 |
| Deed Book / Page | 32873 / 52 |
| Prior Transfer Date | Apr 1, 2019 |
| Prior Transfer Doc | 32873-52 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 28, 2026 |
| Property Address | 184 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 0000032142 |
| Book / Page | 40379 / 59 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 202632142 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000032142, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 40379/59 |
| Instrument | 202632142 |
| Name | TRIANGLE CREDIT UNION |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 184 SCHOOL ST, LOWELL, MA 01854-3233 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0038232-45 |
|---|---|
| Date | Dec 13, 2023 |
| Book Page | 38232/45 |
| Instrument | 36744 |
| Name | TRIANGLE CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 184 SCHOOL ST, LOWELL, MA 01854-3233 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34789-163 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 34789/163 |
| Instrument | 52454 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 184 SCHOOL ST, LOWELL, MA 01854-3233 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33534-54 |
|---|---|
| Date | Nov 7, 2019 |
| Book Page | 33534/54 |
| Instrument | 49289 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 3, 2019 |
| Property Address | 184 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 32873-52 |
| Book / Page | 32873 / 52 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 12134 |
| 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 | 214 CENTRAL ST, LEOMINSTER, MA 01453-6114 |
| Document Number | 12135 |
|---|---|
| Date | Apr 3, 2019 |
| Instrument | 12135 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 184 School St was $9,759, up 17% 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 |
|---|---|---|
| 2026 | $9,759.00 (+17.04%) | $859,800 (+18.38%) Land $139,400 Building $720,400 |
| 2025 | $8,338.00 (+0.63%) | $726,300 (+4.4%) Land $115,000 Building $611,300 |
| 2024 | $8,286.00 (-2.11%) | $695,700 (+2.07%) Land $107,500 Building $588,200 |
| 2023 | $8,465.00 | $681,600 Land $93,400 Building $588,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 184 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 184 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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