Middlesex County and Lowell City property record for 185 Florence Rd, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,658 sqft · built 1958 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Aug 2021) |
| Tax Bill | $6,795 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | G11430 |
| Primary APN | G11430 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,658 sqft Living Area |
| Gross Area | 2,996 sqft |
| 1st Floor Area | 1,228 sqft |
| Basement Area | 1,228 sqft |
| Unfinished Basement | 1,228 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | G11430 |
|---|---|
| Street Address | 185 FLORENCE RD |
| City | LOWELL |
| State | MA |
| Zip | 01851-3931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Subdivision | VAN GREENBY REALTY TRUST |
| Legal Block | 2355 |
| Legal Lot Number | 185 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 311600 |
185 Florence Rd is owned and occupied by an individual who bought it in August 2021.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| 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.
| Date | Document |
|---|---|
| Aug 20, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Aug 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Jun 27, 2018 | Quit Claim Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2021 · Amount on File |
| Deed Sale | Aug 20, 2021 · Amount on File |
| Prior Sale | Jun 27, 2018 · Amount on File |
| Deed Book / Page | 36156 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 20, 2021 |
| Property Address | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| Document Number | 36156-90 |
| Book / Page | 36156 / 90 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 49191 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 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 | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| Document Number | 49192 |
|---|---|
| Date | Aug 20, 2021 |
| Instrument | 49192 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| Document Number | 33271-244 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 185 FLORENCE RD LOWELL MA 018513931, LOWELL, MA 01851-3931 |
| Document Number | 33271-244 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 033271/000244 |
| Instrument | 35237 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 20, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 27, 2018 |
| Property Address | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| Document Number | 32193-143 |
| Book / Page | 32193 / 143 |
| Instrument | 26876 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46.49 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 185 FLORENCE RD, LOWELL, MA 01851-3931 |
| Document Number | 321930146 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 32193/0146 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2048 |
The 2026 property tax bill for 185 Florence Rd was $6,795, up 4.3% 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 | $6,795.00 (+4.28%) | $598,700 (+5.48%) Land $274,200 Building $324,500 | $621,107 (+8.55%) |
| 2025 | $6,516.00 (+5%) | $567,600 (+8.92%) Land $247,100 Building $320,500 | $572,185 (+0.33%) |
| 2024 | $6,206.00 (+5.17%) | $521,100 (+9.68%) Land $222,400 Building $298,700 | $570,285 |
| 2023 | $5,901.00 | $475,100 Land $193,400 Building $281,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Florence Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 Policies | 5 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2011 · rainfall accumulation |
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 185 Florence Rd 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 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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