20 8th St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 20 8th St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,557 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (Apr 2025)
Tax Bill	$7,230 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S09570`

Property Details

APN / Parcel Number

Primary APN	`S09570`
Alternative APNs	`LOWE M:196 B:2050 L:20` `M:000196 T:S09570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,557 sqft Living Area
Gross Area	5,367 sqft
1st Floor Area	1,403 sqft
Basement Area	1,163 sqft
Unfinished Basement	1,163 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S09570
Street Address	20 8TH ST
City	LOWELL
State	MA
Zip	01850-2151
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	2050
Legal Lot Number	20
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	4
Census Block	4007
Census Tract	310200

Owner

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	20 8TH ST, LOWELL, MA 01850-2151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG CORP
Mar 2, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 21, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jan 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2025 · Amount on Record
Deed Sale	Apr 9, 2025 · Amount on Record
Prior Sale	Jul 1, 2014 · Amount on Record
Deed Book / Page	39175 / 140
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	20 8TH ST, LOWELL, MA 01850-2151
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039865-50
Date	Feb 18, 2026
Book Page	39865/50
Instrument	4663

Lender

Name	FREEDOM MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2055

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	20 8TH ST, LOWELL, MA 01850-2151
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	031902-232
Date	Mar 2, 2018
Book Page	31902/232
Instrument	8548

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 21, 2021
Property Address	20 8TH ST, LOWELL, MA 01850-2151
Document Number	00036031-3
Book / Page	36031 / 3
Instrument Date	Jul 21, 2021
Instrument	43031
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22 OLD LOWELL RD, WESTFORD, MA 01886-3614
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043032
Date	Jul 21, 2021
Instrument	43032

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	20 8TH ST, LOWELL, MA 01850-2151
Document Number	32762-186
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 8TH ST LOWELL MA 018502151, LOWELL, MA 01850-2151

Mortgage

Document Number	32762-186
Date	Feb 12, 2019
Book Page	032762/000186
Instrument	5365

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 11, 2039

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,230.00 (+4.51%)	$637,000 (+5.71%) Land $128,900 Building $508,100	$637,593
2025	$6,918.00 (+10.42%)	$602,600 (+14.56%) Land $120,500 Building $482,100
2024	$6,265.00 (+7.37%)	$526,000 (+11.96%) Land $100,100 Building $425,900
2023	$5,835.00	$469,800 Land $87,100 Building $382,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1,079 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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