Middlesex County and Lowell City property record for 196 Cross St, Lowell, MA 01854
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,570 sqft · built 1920 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $354,790 (Sep 2017) |
| Tax Bill | $6,709 (2026) |
| Deeds & Mortgages | Sep 2017 Sale & Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | K02250 |
| Primary APN | K02250 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,570 sqft Living Area |
| Gross Area | 4,084 sqft |
| 1st Floor Area | 1,294 sqft |
| Basement Area | 1,346 sqft |
| Unfinished Basement | 1,346 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | K02250 |
|---|---|
| Street Address | 196 CROSS ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3320 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMF |
| Legal Block | 1575 |
| Legal Lot Number | 196 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 311100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
196 Cross St, a duplex, is owned and occupied by an individual who bought it in September 2017.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 196 CROSS ST, LOWELL, MA 01854-3320 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI |
| Apr 6, 2017 | Quit Claim Deed, Transfer PARKER TR (PT) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on File |
| Deed Sale | Sep 1, 2017 · Amount on File |
| Prior Sale | Apr 6, 2017 · Amount on File |
| Deed Book / Page | 31438 / 230 |
| Transfer Doc | 031438-230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 1, 2017 |
| Property Address | 196 CROSS ST, LOWELL, MA 01854-3320 |
| Document Number | 31438-230 |
| Book / Page | 031438 / 000230 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 39106 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,617.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196-200 CROSS ST LOWELL MA 018543320, LOWELL, MA 01854-3320 |
| Document Number | 31438-233 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | 031438/000233 |
| Instrument | 39107 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 31, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 6, 2017 |
| Property Address | 196 CROSS ST, LOWELL, MA 01854-3320 |
| Document Number | 31023-196 |
| Book / Page | 031023 / 000196 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 13900 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $433.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 76 STATE ST NEWBURYPORT MA 019506616, NEWBURYPORT, MA 01950-6616 |
| Document Number | 31023-199 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 031023/000199 |
| Instrument | 13901 |
| Name | PARKER TR (PT) |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 196 Cross St was $6,709, up 7.2% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,709.00 (+7.21%) | $591,100 (+8.44%) Land $128,700 Building $462,400 | $668,948 |
| 2025 | $6,258.00 (+7.9%) | $545,100 (+11.93%) Land $106,200 Building $438,900 | |
| 2024 | $5,800.00 (+7.41%) | $487,000 (+12.01%) Land $99,200 Building $387,800 | |
| 2023 | $5,400.00 | $434,800 Land $86,300 Building $348,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Cross 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.
The area around 196 Cross 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 468 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 |
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