186 Starr Ave, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 186 Starr Ave, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,602 sqft · built 1960
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,000 (Mar 2007)
Tax Bill	$6,455 (2026)
Deeds & Mortgages	Nov 2022 Refinance Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`L05200`

Property Details

APN / Parcel Number

Primary APN	`L05200`
Alternative APNs	`LOWE M:235 B:5505 L:186` `M:000235 T:L05200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,602 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	762 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	L05200
Street Address	186 STARR AVE
City	LOWELL
State	MA
Zip	01852-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	BELVIDERE HILL
Legal Block	5505
Legal Lot Number	186
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1000
Census Tract	312502

Owner

Source: Middlesex County and Lowell City records, as of October 20, 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 Record
Mailing Address	186 STARR AVE, LOWELL, MA 01852-2914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE TRUST CO
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2007 · Amount on Record
Deed Sale	Mar 30, 2007 · Amount on Record
Prior Sale	Mar 10, 2004 · Amount on Record
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	186 STARR AVE, LOWELL, MA 01852-2914
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037533-102
Date	Nov 28, 2022
Book Page	37533/102
Instrument	48052

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	186 STARR AVE, LOWELL, MA 01852-2914
Document Number	31534-76
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31534-76
Date	Oct 6, 2017
Book Page	031534/000076
Instrument	44790

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$6,455.00 (+7.51%)	$568,700 (+8.74%) Land $259,000 Building $309,700	$596,221 (+5.66%)
2025	$6,004.00 (-0.61%)	$523,000 (+3.12%) Land $242,000 Building $281,000	$564,300 (-2.14%)
2024	$6,041.00 (+6.64%)	$507,200 (+11.2%) Land $226,200 Building $281,000	$576,650
2023	$5,665.00	$456,100 Land $196,700 Building $259,400

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

Flood

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	2 (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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 489 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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