20 B St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 20 B St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,839 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,516 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R06360`

Property Details

APN / Parcel Number

Primary APN	`R06360`
Alternative APNs	`LOWE M:124 B:345 L:20` `M:000124 T:R06360`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,839 sqft Living Area
Gross Area	3,267 sqft
1st Floor Area	1,024 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R06360
Street Address	20 B ST
City	LOWELL
State	MA
Zip	01851-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	345
Legal Lot Number	20
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2009
Census Tract	311700

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	2 Individual Names on Record
Mailing Address	20 B ST, LOWELL, MA 01851-4218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 20, 2021	Quit Claim Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 18, 2019	Quit Claim Deed, Transfer · FHA Mortgage FIRST HOME MORTGAGE CORP
Apr 16, 2019	Quit Claim Deed, Transfer COREVEST AMERICAN FIN
Sep 4, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2021
Deed Sale	Aug 20, 2021
Prior Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	202149036
Prior Transfer Date	Jun 3, 2021
Prior Transfer Doc	0036152-85
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	20 B ST, LOWELL, MA 01851-4218
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036152-85
Date	Aug 20, 2021
Book Page	36152/85
Instrument	49037

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 20, 2021
Property Address	20 B ST, LOWELL, MA 01851-4218
Document Number	36152-82
Book / Page	36152 / 82
Instrument Date	Jun 3, 2021
Instrument	49036
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 B ST, LOWELL, MA 01851-4218

Mortgage

Document Number	0036152-85
Date	Aug 20, 2021
Book Page	36152/85
Instrument	49037

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 18, 2019
Property Address	20 B ST, LOWELL, MA 01851-4218
Document Number	33570-139
Book / Page	33570 / 139
Instrument Date	Nov 18, 2019
Instrument	51319
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1687 LIBERTY ST, BRAINTREE, MA 02184-8274

Mortgage

Document Number	51320
Date	Nov 18, 2019
Instrument	51320

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 16, 2019
Property Address	20 B ST, LOWELL, MA 01851-4218
Document Number	32894-246
Book / Page	032894 / 000246
Instrument Date	Mar 20, 2019
Instrument	13499
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.60
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1687 LIBERTY ST BRAINTREE MA 021848274, BRAINTREE, MA 02184-8274

Mortgage

Document Number	32894-250
Date	Apr 16, 2019
Book Page	032894/000250
Instrument	13500

Lender

Name	COREVEST AMERICAN FIN

Agreement

Amount	Amount Recorded

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	LOWELL MA
Recording Date	Sep 4, 2018
Property Address	20 B ST, LOWELL, MA 01851-4218
Document Number	32382-178
Book / Page	032382 / 000178
Instrument Date	Aug 7, 2018
Instrument	38646
Transaction Type	Foreclosure
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Tax	$1,200.77
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

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	$5,516.00 (+6.4%)	$486,000 (+7.62%) Land $152,600 Building $333,400	$512,206 (+8.44%)
2025	$5,184.00 (+3.7%)	$451,600 (+7.6%) Land $142,700 Building $308,900	$472,340 (+2.68%)
2024	$4,999.00 (+5.98%)	$419,700 (+10.51%) Land $128,300 Building $291,400	$459,990
2023	$4,717.00	$379,800 Land $111,600 Building $268,200

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 1,002 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

20 B St, Lowell, MA 01851 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on B St

Nearby Streets

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