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189 Charles St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 189 Charles St, Lowell, MA 01852 · Last verified July 2026

Property Highlights

Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Bedrooms9 Beds
Bathrooms4 Baths
Year BuiltBuilt 1900
Square Footage3,884 sqft Living Area
Lot Size3,049 sqft (0.07 acres)
Last Sale$1,000,000 (2026)
Tax Bill$7,971.00 (2025)

Property Details

APN / Parcel Number

Primary APNR08118
Alternative APNs
  • LOWE M:180 B:1160 L:189
  • M:000180 T:R08118

Interior

Bedrooms9 Beds
Full Baths4 Baths
Total Rooms16 Rooms
Units4 Units
Building Area3,884 sqft Living Area
Gross Area6,018 sqft Gross Area
1st Floor1,982 sqft 1st Floor
Basement Area1,822 sqft Basement
Unfinished Basement1,822 sqft Unfinished
Stories2 Stories

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialAluminum/Vinyl Exterior
Roof ConstructionFlat Roof Construction
Roof MaterialOther (not Classified) Roof
Lot Area3,049 sqft (0.07 acres)
Deck AreaDeck Area

Utilities and HVAC

Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Account NumberR08118
Street Address189 CHARLES ST
CityLOWELL
StateMA
Zip01852-2619
Property UsageResidential Property Usage
TypeResidential > Multi-Unit > Apartments (5+ Units)
Legal Block1160
Legal Lot Number189
JurisdictionLOWELL MA
Minor Civil DivisionLOWELL
Census Blockgroup1
Census Block1002
Census Tract311900

Owner

Source: Middlesex County and Lowell City records · APN R08118

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 Record2 Individual Names on File
Mailing Address16 COPPERSMITH WAY, TOWNSEND, MA 01469-4412
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingTenant By Entirety

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Jan 07, 2022Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
Aug 01, 2025Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Apr 21, 2026Quit Claim Deed, Transfer · Adjustable Rate Mortgage (ARM)
WORKERS FEDERAL CREDIT UNION
Nov 01, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LOANDEPOT.COM LLC
Feb 02, 2017Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 21, 2026 · Amount on Record
Deed SaleApr 21, 2026 · Amount on Record
Prior SaleDec 12, 2002 · Amount on Record
Deed Doc Number202611597
Deed Book / Page39998 / 202
Transfer Doc0023687-51
Record RefreshedSep 20, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Transaction TypeMortgage
Record UpdatedMay 13, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number036410-104
DateOct 21, 2021
Book Page36410/104
Instrument61667
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Transaction TypeMortgage
Record UpdatedMay 13, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number036702-208
DateJan 07, 2022
Book Page36702/208
Instrument1054
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term289 Months
DueFeb 01, 2046
Interest
Rate TypeAdjustable Rate

August 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Transaction TypeMortgage
Record UpdatedMay 13, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0039427-71
DateAug 01, 2025
Book Page39427/71
Instrument23990
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term313 Months
DueSep 01, 2051

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateApr 21, 2026
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Document Number039998-202
Book / Page39998 / 202
Instrument DateMar 17, 2026
Instrument202611597
Transaction TypeTransfer
Record UpdatedJul 06, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address16 COPPERSMITH WAY, TOWNSEND, MA 01469-4412

Mortgage

DateApr 21, 2026
Lender
NameWORKERS FEDERAL CREDIT UNION
Agreement
TypeAdjustable Rate Mortgage (ARM)
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate6.13%
Initial TypeAdjustable Rate
Type Change DateMay 01, 2033
Index1-Year CMT
Margin3
Max Rate-1%

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Document Number31618-163
Book / Page031618 / 000163
Instrument DateNov 01, 2017
Transaction TypeMortgage
Record UpdatedNov 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number31618-163
DateNov 06, 2017
Book Page031618/000163
Instrument49703
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 05, 2047

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address189 CHARLES ST, LOWELL, MA 01852-2619
Document Number30896-105
Book / Page030896 / 000105
Instrument DateFeb 02, 2017
Transaction TypeMortgage
Record UpdatedFeb 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number30896-105
DateFeb 07, 2017
Book Page030896/000105
Instrument5748
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 06, 2047

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$7,971.00 (+1.18%)$694,300 (+4.96%) Land $109,000 Building $585,300
2024$7,878.00 (-2.22%)$661,500 (+1.97%) Land $98,300 Building $563,200
2023$8,057.00$648,700 Land $85,500 Building $563,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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