Middlesex County and Lowell City property record for 196 Florence Rd, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,386 sqft · built 1970 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (May 2008) |
| Tax Bill | $6,738 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | B04185 |
| Primary APN | B04185 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,386 sqft Living Area |
| Gross Area | 2,296 sqft |
| 1st Floor Area | 1,086 sqft |
| Basement Area | 786 sqft |
| Unfinished Basement | 286 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | B04185 |
|---|---|
| Street Address | 196 FLORENCE RD |
| City | LOWELL |
| State | MA |
| Zip | 01851-3932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 2355 |
| Legal Lot Number | 196 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 311600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 196 FLORENCE RD, LOWELL, MA 01851-3932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2008 · Amount on Record |
| Deed Sale | May 16, 2008 · Amount on Record |
| Prior Sale | Dec 9, 1998 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 196 FLORENCE RD, LOWELL, MA 01851-3932 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35286-172 |
|---|---|
| Date | Feb 2, 2021 |
| Book Page | 35286/172 |
| Instrument | 6706 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Mar 1, 2035 |
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 | $6,738.00 (+10.12%) | $593,700 (+11.39%) Land $268,300 Building $325,400 | $559,247 (+17.08%) |
| 2025 | $6,119.00 (+2.02%) | $533,000 (+5.84%) Land $241,800 Building $291,200 | $477,660 (+0.96%) |
| 2024 | $5,998.00 (+4.26%) | $503,600 (+8.72%) Land $217,600 Building $286,000 | $473,100 |
| 2023 | $5,753.00 | $463,200 Land $189,200 Building $274,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2011 · rainfall accumulation |
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 484 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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