Middlesex County and Lowell City property record for 187 Luce St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,484 sqft · built 1960 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $364,500 (Oct 2019) |
| Tax Bill | $5,978 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jan 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T00250 |
| Primary APN | T00250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,484 sqft Living Area |
| Gross Area | 3,138 sqft |
| 1st Floor Area | 900 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 612 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | T00250 |
|---|---|
| Street Address | 187 LUCE ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 3730 |
| Legal Lot Number | 187 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 312502 |
187 Luce St is owned and occupied by two individuals who bought it in October 2019.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 187 LUCE ST, LOWELL, MA 01852-3049 |
| 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 |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 6, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHPOINTE BANK |
| Oct 24, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage JEANNE D'ARC CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2019 · Amount on File |
| Deed Sale | Oct 24, 2019 · Amount on File |
| Prior Sale | Aug 26, 1987 · Amount on File |
| Deed Document Number | 201946400 |
| Deed Book / Page | 33479 / 140 |
| Prior Transfer Date | Oct 17, 2019 |
| Prior Transfer Doc | 0000046400 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 187 LUCE ST, LOWELL, MA 01852-3049 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0037573-84 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 37573/84 |
| Instrument | 50648 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 187 LUCE ST, LOWELL, MA 01852-3049 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0036700-48 |
|---|---|
| Date | Jan 6, 2022 |
| Book Page | 36700/48 |
| Instrument | 202200000891 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 24, 2019 |
| Property Address | 187 LUCE ST, LOWELL, MA 01852-3049 |
| Document Number | 33479-140 |
| Book / Page | 033479 / 000140 |
| Instrument Date | Oct 17, 2019 |
| Instrument | 46400 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,662.12 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1 TECHNOLOGY DR #2011 NORTH CHELMSFORD MA 018632448, 2011, NORTH CHELMSFORD, MA 01863-2448 |
| Document Number | 33479-145 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 033479/000145 |
| Instrument | 46401 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 33479-166, |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 033479/000166 |
| Instrument | 46402 |
| Name | JEANNE D'ARC CU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | Oct 23, 2044 |
The 2026 property tax bill for 187 Luce St was $5,978, up 4.2% 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 | $5,978.00 (+4.18%) | $526,700 (+5.38%) Land $236,700 Building $290,000 | $550,395 (+12.04%) |
| 2025 | $5,738.00 (+5.01%) | $499,800 (+8.94%) Land $221,300 Building $278,500 | $491,245 (+2.23%) |
| 2024 | $5,464.00 (+3.13%) | $458,800 (+7.55%) Land $206,800 Building $252,000 | $480,510 |
| 2023 | $5,298.00 | $426,600 Land $179,800 Building $246,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 187 Luce 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 risk around 187 Luce St is low, with less than a 0.01% annual chance of 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.
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 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 |
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