Middlesex County and Lowell City property record for 196 3rd St, Lowell, MA 01850
| Property Type | Triplex |
|---|---|
| Details | 6 bd · 3.5 ba · 2,966 sqft · built 1900 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Aug 2019) |
| Tax Bill | $8,393 (2026) |
| Deeds & Mortgages | Nov 2020 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | J02620 |
| Primary APN | J02620 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 2,966 sqft Living Area |
| Gross Area | 6,288 sqft |
| 1st Floor Area | 1,483 sqft |
| Basement Area | 1,483 sqft |
| Unfinished Basement | 1,483 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | J02620 |
|---|---|
| Street Address | 196 3RD ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2545 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | TTF |
| Legal Block | 5675 |
| Legal Lot Number | 196 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 310200 |
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 196 3RD ST, LOWELL, MA 01850-2545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 25, 2020 | Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SVGS BK |
| Jul 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PTRS |
| Aug 16, 2019 | Quit Claim Deed, Transfer · Conventional with PMI DRAPER & KRAMER MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2019 · Amount on Record |
| Deed Sale | Aug 16, 2019 · Amount on Record |
| Deed Document Number | 2019301775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 196 3RD ST, LOWELL, MA 01850-2545 |
| Document Number | 0000308233 |
| Instrument Date | Nov 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 196 3RD ST LOWELL MA 018502545, LOWELL, MA 01850-2545 |
| Document Number | 0000308233 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 308233 |
| Name | LOWELL FIVE CENTS SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 30, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 196 3RD ST, LOWELL, MA 01850-2545 |
| Document Number | 0000306001 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 196 3RD ST LOWELL MA 018502545, LOWELL, MA 01850-2545 |
| Document Number | 0000306001 |
|---|---|
| Date | Jul 15, 2020 |
| Instrument | 306001 |
| Name | MORTGAGE EQUITY PTRS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 14, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 16, 2019 |
| Property Address | 196 3RD ST, LOWELL, MA 01850-2545 |
| Document Number | 0000301775 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 301775 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,938.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 3RD ST LOWELL MA 018502545, LOWELL, MA 01850-2545 |
| Document Number | 301776 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 301776 |
| Name | DRAPER & KRAMER MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2049 |
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 |
|---|---|---|
| 2026 | $8,393.00 (+4.48%) | $739,500 (+5.69%) Land $166,600 Building $572,900 |
| 2025 | $8,033.00 (+7.51%) | $699,700 (+11.52%) Land $155,800 Building $543,900 |
| 2024 | $7,472.00 (+2.17%) | $627,400 (+6.56%) Land $129,400 Building $498,000 |
| 2023 | $7,313.00 | $588,800 Land $112,500 Building $476,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 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 | 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 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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