Middlesex County and Lowell City property record for 20 Richards St, Lowell, MA 01850
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,625 sqft · built 1920 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $530,000 (Jun 2022) |
| Tax Bill | $7,626 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C14420 |
| Primary APN | C14420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,625 sqft Living Area |
| Gross Area | 6,349 sqft |
| 1st Floor Area | 1,725 sqft |
| Basement Area | 1,566 sqft |
| Unfinished Basement | 1,566 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | C14420 |
|---|---|
| Street Address | 20 RICHARDS ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 4915 |
| Legal Lot Number | 20 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 310200 |
Source: Middlesex County and Lowell City records, as of July 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 RICHARDS ST, LOWELL, MA 01850-2246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 2, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2022 · Amount on Record |
| Deed Sale | Jun 2, 2022 · Amount on Record |
| Prior Sale | Nov 22, 2004 · Amount on Record |
| Deed Document Number | 202223639 |
| Deed Book / Page | 37116 / 49 |
| Prior Transfer Date | Jun 1, 2022 |
| Prior Transfer Doc | 0037116-49 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 29, 2026 |
| Property Address | 20 RICHARDS ST, LOWELL, MA 01850-2246 |
| Document Number | 0000020404 |
| Book / Page | 40163 / 22 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202620404 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 RICHARDS ST, LOWELL, MA 01850-2246 |
| Document Number | 0000020404, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 40163/22 |
| Instrument | 202620404 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 2, 2022 |
| Property Address | 20 RICHARDS ST, LOWELL, MA 01850-2246 |
| Document Number | 0037116-49 |
| Book / Page | 37116 / 49 |
| Instrument Date | Jun 1, 2022 |
| Instrument | 23639 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Address | 20 RICHARDS ST, LOWELL, MA 01850-2246 |
| Document Number | 0000023640 |
|---|---|
| Date | Jun 2, 2022 |
| Instrument | 23640 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|---|
| 2025 | $7,626.00 (+3.49%) | $664,300 (+7.37%) Land $134,600 Building $529,700 | $673,265 (+7.44%) |
| 2024 | $7,369.00 (+5.39%) | $618,700 (+9.89%) Land $125,800 Building $492,900 | $626,620 |
| 2023 | $6,992.00 | $563,000 Land $109,400 Building $453,600 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 333 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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