20 Sandy Ln, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 20 Sandy Ln, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,951 sqft · built 1987
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Apr 2017)
Tax Bill	$6,832 (2026)
Deeds & Mortgages	Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`W91410`

Property Details

APN / Parcel Number

Primary APN	`W91410`
Alternative APNs	`LOWE M:21 B:5203 L:20` `M:000021 T:W91410`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,951 sqft Living Area
Gross Area	4,064 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	W91410
Street Address	20 SANDY LN
City	LOWELL
State	MA
Zip	01854-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	VARNUM ESTATES
Legal Block	5203
Legal Lot Number	20
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1005
Census Tract	310601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 SANDY LN, LOWELL, MA 01854-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2017 · Amount on Record
Deed Sale	Apr 12, 2017 · Amount on Record
Prior Sale	Dec 23, 1987 · Amount on Record
Deed Book / Page	31035 / 100
Transfer Doc	031035-100
Record Updated	Oct 29, 2026

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 12, 2017
Property Address	20 SANDY LN, LOWELL, MA 01854-1125
Document Number	31035-100
Book / Page	31035 / 100
Instrument	14585
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.21
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SANDY LN, LOWELL, MA 01854-1125

Mortgage

Document Number	310350103
Date	Apr 12, 2017
Instrument	31035/0103

Lender

Name	VILLAGE MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

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	$6,832.00 (+7.85%)	$601,900 (+9.08%) Land $216,200 Building $385,700	$620,935 (+1.19%)
2025	$6,335.00 (-1.26%)	$551,800 (+2.43%) Land $202,100 Building $349,700	$613,605 (+1.11%)
2024	$6,416.00 (+4.21%)	$538,700 (+8.67%) Land $188,800 Building $349,900	$606,860
2023	$6,157.00	$495,700 Land $164,200 Building $331,500

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 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1979–2006)
Claims Outside the SFHA	2 of 6
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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