19 Leroy St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 19 Leroy St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 3,091 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2014)
Tax Bill	$7,896 (2026)
Deeds & Mortgages	Feb 2025 Refinance Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`L03120`

Property Details

APN / Parcel Number

Primary APN	`L03120`
Alternative APNs	`LOWE M:121 B:3570 L:19` `M:000121 T:L03120`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,091 sqft Living Area
Gross Area	4,653 sqft
1st Floor Area	1,240 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	L03120
Street Address	19 LEROY ST
City	LOWELL
State	MA
Zip	01851-2502
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	3570
Legal Lot Number	19
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2012
Census Tract	311200

Owner

19 Leroy St, a duplex, is owned and occupied by an individual who bought it in August 2014.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	19 LEROY ST, LOWELL, MA 01851-2502
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Nov 9, 2018	Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2014 · Amount on File
Deed Sale	Aug 20, 2014 · Amount on File
Prior Sale	Oct 11, 2013 · Amount on File
Deed Book / Page	28410 / 1
Transfer Doc	00028410-1
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	19 LEROY ST, LOWELL, MA 01851-2502
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039051-228
Date	Feb 3, 2025
Book Page	39051/228
Instrument	3098

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	19 LEROY ST, LOWELL, MA 01851-2502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32553-43
Date	Nov 9, 2018
Book Page	32553/43
Instrument	49183

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 19 Leroy St was $7,896, up 5.1% from the year before.

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	$7,896.00 (+5.07%)	$695,700 (+6.28%) Land $172,700 Building $523,000	$672,942
2025	$7,515.00 (+8.57%)	$654,600 (+12.63%) Land $161,400 Building $493,200
2024	$6,922.00 (+7.55%)	$581,200 (+12.16%) Land $145,300 Building $435,900
2023	$6,436.00	$518,200 Land $126,300 Building $391,900

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

Flood

FEMA maps place 19 Leroy 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

The area around 19 Leroy 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.

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 804 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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