Middlesex County and Lowell City property record for 190 Middlesex St, Lowell, MA 01852
| Property Type | Restaurant |
|---|---|
| Details | 11,880 sqft · built 1890 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Company Name on Record |
| Last Sale | $4,000,000 (Mar 2023) |
| Tax Bill | $16,160 (2025) |
| Deeds & Mortgages | Dec 2021 Refinance Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M03670 |
| Primary APN | M03670 |
|---|---|
| Alternative APNs |
|
| Units | 14 Units |
|---|---|
| Stories | 4 Stories |
| Building Area | 11,880 sqft Total Area |
| Gross Area | 14,850 sqft |
| 1st Floor Area | 2,970 sqft |
| Basement Area | 2,970 sqft |
| Unfinished Basement | 2,970 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | M03670 |
|---|---|
| Street Address | 190 MIDDLESEX ST |
| City | LOWELL |
| State | MA |
| Zip | 01852 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | DMU |
| Legal Block | 4085 |
| Legal Lot Number | 190 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 310101 |
Source: Middlesex County and Lowell City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 18 FREEMAN RD, CHELMSFORD, MA 01824-4825 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Mar 20, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage READING COOPERATIVE BANK |
| Jul 14, 2021 | Quit Claim Deed, Transfer · Commercial Mortgage REGAL FUNDING CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2023 · Amount on Record |
| Deed Sale | Mar 20, 2023 · Amount on Record |
| Prior Sale | Jul 14, 2021 · Amount on Record |
| Deed Document Number | 20237517 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 190 MIDDLESEX ST, LOWELL, MA 01852 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0036644-33 |
|---|---|
| Date | Dec 20, 2021 |
| Book Page | 36644/33 |
| Instrument | 73497 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 20, 2023 |
| Property Address | 190 MIDDLESEX ST, LOWELL, MA 01852 |
| Document Number | 037732-278 |
| Book / Page | 37732 / 278 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 7517 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 18 FREEMAN RD, CHELMSFORD, MA 01824-4825 |
| Document Number | 0000007519 |
|---|---|
| Date | Mar 20, 2023 |
| Instrument | 7519 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 14, 2021 |
| Property Address | 190 MIDDLESEX ST, LOWELL, MA 01852 |
| Document Number | 0036001-34 |
| Book / Page | 36001 / 34 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 41391 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 DODGE ST # 294, 294, BEVERLY, MA 01915-1735 |
| Investor | Possibly a Property Investor |
| Document Number | 0000041393 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 41393 |
| Name | REGAL FUNDING CORP |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $16,160.00 (-0.28%) | $722,400 (+3.73%) Land $120,000 Building $602,400 |
| 2024 | $16,205.00 (+0.79%) | $696,400 (+5.52%) Land $120,000 Building $576,400 |
| 2023 | $16,078.00 | $660,000 Land $120,000 Building $540,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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.
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 410 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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