Middlesex County and Lowell City property record for 19 Willow St, Lowell, MA 01852
| Property Type | Triplex |
|---|---|
| Details | 9 bd · 3 ba · 3,822 sqft · built 2015 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Sep 2026) |
| Tax Bill | $10,524 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D03960 |
| Primary APN | D03960 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,822 sqft Living Area |
| Gross Area | 5,144 sqft |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 1,274 sqft |
| Unfinished Basement | 1,274 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | D03960 |
|---|---|
| Street Address | 19 WILLOW ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2409 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | TMF |
| Legal Block | 6405 |
| Legal Lot Number | 19 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 312400 |
19 Willow St, a triplex, is owned by two individuals who bought it in September 2026.
Source: Middlesex County and Lowell City records, as of October 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 WILLOW ST, 21, LOWELL, MA 01852-2409 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 28, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage M & T BANK NA |
| Mar 4, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI EVOLVE BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on File |
| Deed Sale | Sep 28, 2026 · Amount on File |
| Prior Sale | Sep 16, 2019 · Amount on File |
| Deed Document Number | 202632247 |
| Deed Book / Page | 40381 / 79 |
| Prior Transfer Date | Sep 22, 2026 |
| Prior Transfer Doc | 0000032247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 28, 2026 |
| Property Address | 19 WILLOW ST, LOWELL, MA 01852-2409 |
| Document Number | 0000032247 |
| Book / Page | 40381 / 79 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202632247 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Date | Sep 28, 2026 |
|---|
| Name | M & T BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 19 WILLOW ST, LOWELL, MA 01852-2409 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35422-99 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | 35422/99 |
| Instrument | 13012 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 16, 2019 |
| Property Address | 19 WILLOW ST, LOWELL, MA 01852-2409 |
| Document Number | 33350-199 |
| Book / Page | 033350 / 000199 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 39562 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,622.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 NICHOLAS DR AMESBURY MA 019133230, AMESBURY, MA 01913-3230 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 19 WILLOW ST, LOWELL, MA 01852-2409 |
| Document Number | 31160-208 |
| Book / Page | 031160 / 000208 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | 31160-208 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 031160/000208 |
| Instrument | 22258 |
| Name | EVOLVE BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2047 |
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 |
|---|---|---|
| 2025 | $10,524.00 (+3.42%) | $916,700 (+7.29%) Land $107,800 Building $808,900 |
| 2024 | $10,176.00 (+0.43%) | $854,400 (+4.73%) Land $105,500 Building $748,900 |
| 2023 | $10,132.00 | $815,800 Land $91,800 Building $724,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 19 Willow St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 | 4 in force |
| Nearby Flood Claims | 1 (2007) |
| Most Recent Claim | Apr 2007 · river or lake flooding |
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 19 Willow 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.
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 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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