Middlesex County and Lowell City property record for 196 School St, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,462 sqft · built 1850 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Oct 2025) |
| Tax Bill | $4,579 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage May 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | F00890 |
| Primary APN | F00890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,462 sqft Living Area |
| Gross Area | 2,634 sqft |
| 1st Floor Area | 1,075 sqft |
| Basement Area | 1,075 sqft |
| Unfinished Basement | 1,075 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | F00890 |
|---|---|
| Street Address | 196 SCHOOL ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TMF |
| Legal Subdivision | LAND LOWELL |
| Legal Block | 5240 |
| Legal Lot Number | 196 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 310700 |
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 School St is owned and occupied by two individuals who bought it in October 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 196 SCHOOL ST, LOWELL, MA 01854-3233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 1, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| May 13, 2022 | Quit Claim Deed, Transfer · FHA Mortgage SALEM FIVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on File |
| Deed Sale | Oct 1, 2025 · Amount on File |
| Prior Sale | May 13, 2022 · Amount on File |
| Deed Book / Page | 39560 / 92 |
| Prior Transfer Date | Sep 30, 2025 |
| Prior Transfer Doc | 0039560-92 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 1, 2025 |
| Property Address | 196 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 0039560-92 |
| Book / Page | 39560 / 92 |
| Instrument Date | Sep 30, 2025 |
| Instrument | 31186 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount 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 |
| Address | 196 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 0000031187 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | 31187 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Number | 039560-120 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | 39560/120 |
| Instrument | 31188 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 13, 2022 |
| Property Address | 196 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 0037061-51 |
| Book / Page | 37061 / 51 |
| Instrument Date | May 13, 2022 |
| Instrument | 20664 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 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 with Right of Survivorship |
| Address | 196 SCHOOL ST, LOWELL, MA 01854-3233 |
| Document Number | 0000020665 |
|---|---|
| Date | May 13, 2022 |
| Instrument | 20665 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 196 School St was $4,579, up 10.3% 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 | $4,579.00 (+10.28%) | $403,400 (+11.53%) Land $117,900 Building $285,500 | $467,325 (+3.04%) |
| 2025 | $4,152.00 (+2.47%) | $361,700 (+6.32%) Land $97,300 Building $264,400 | $453,530 (+7.62%) |
| 2024 | $4,052.00 (+5.74%) | $340,200 (+10.28%) Land $90,900 Building $249,300 | $421,420 |
| 2023 | $3,832.00 | $308,500 Land $79,100 Building $229,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 School St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 196 School 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 434 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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