Middlesex County and Lowell City property record for 198 Circuit Ave, Lowell, MA 01852
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,296 sqft · built 2020 |
| Lot Size | 0.117 acres (5,080 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $404,900 (May 2021) |
| Tax Bill | $5,367 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance May 2026 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M18320 |
| Primary APN | M18320 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 1,960 sqft |
| 1st Floor Area | 648 sqft |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,080 sqft (0.117 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | M18320 |
|---|---|
| Street Address | 198 CIRCUIT AVE |
| City | LOWELL |
| State | MA |
| Zip | 01852-5508 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | TTF |
| Legal Block | 2285 |
| Legal Lot Number | 198 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 312300 |
198 Circuit Ave, a condominium, is held in a trust since April 2024.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 198 CIRCUIT AVE, 1, LOWELL, MA 01852-5508 |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 |
|---|---|
| Mar 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| May 6, 2026 | Condominium Deed, Transfer |
| Apr 22, 2024 | Deed, Transfer |
| May 17, 2021 | Condominium Deed, Transfer |
| May 11, 2021 | Condominium Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 17, 2021 · Amount on File |
| Deed Sale | May 17, 2021 · Amount on File |
| Prior Sale | May 11, 2021 · Amount on File |
| Deed Document Number | 202129320 |
| Deed Book / Page | 35761 / 260 |
| Last Transfer Date | Apr 18, 2024 |
| Transfer Doc | 0038440-17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036854-159 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | 36854/159 |
| Instrument | 9445 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 6, 2026 |
| Property Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Number | 00040039-5 |
| Book / Page | 40039 / 5 |
| Instrument Date | May 6, 2026 |
| Instrument | 202613761 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 198 CIRCUIT AVE, 1, LOWELL, MA 01852-5508 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 22, 2024 |
| Property Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Number | 0038440-17 |
| Book / Page | 38440 / 17 |
| Instrument Date | Apr 18, 2024 |
| Instrument | 10508 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 198 CIRCUIT AVE # 1, 1, LOWELL, MA 01852-5508 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 17, 2021 |
| Property Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Number | 035761-260 |
| Book / Page | 35761 / 260 |
| Instrument Date | May 11, 2021 |
| Instrument | 29320 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 11, 2021 |
| Property Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Number | 035735-166 |
| Book / Page | 35735 / 166 |
| Instrument Date | May 11, 2021 |
| Instrument | 28023 |
| Transaction Type | Transfer |
| Record Updated | May 27, 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 |
|---|---|
| Address | 198 CIRCUIT AVE, LOWELL, MA 01852-5508 |
| Document Number | 0000028036 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 28036 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 198 Circuit Ave was $5,367, up 4.1% 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 | $5,367.00 (+4.05%) | $472,900 (+5.25%) Building $472,900 | $429,073 (+14.93%) |
| 2025 | $5,158.00 (+5.07%) | $449,300 (+9%) Building $449,300 | $373,350 (-) |
| 2024 | $4,909.00 (+7.46%) | $412,200 (+12.07%) Building $412,200 | $373,350 |
| 2023 | $4,568.00 | $367,800 Building $367,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 198 Circuit Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Jan 1998 · 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.
Wildfire risk around 198 Circuit Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 353 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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