20 Shaffer St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 20 Shaffer St, Lowell, MA 01854

Property Summary

Property Type	Apartments (5+ Units)
Details	6 bd · 4 ba · 3,938 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$619,000 (Sep 2021)
Tax Bill	$7,767 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M22115`

Property Details

APN / Parcel Number

Primary APN	`M22115`
Alternative APNs	`LOWE M:101 B:5285 L:20` `M:000101 T:M22115`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	4 Units
Stories	2 Stories
Building Area	3,938 sqft Living Area
Gross Area	5,688 sqft
1st Floor Area	1,422 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asbestos
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	M22115
Street Address	20 SHAFFER ST
City	LOWELL
State	MA
Zip	01854-3114
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	TMF
Legal Subdivision	FLORENCE ST
Legal Block	5285
Legal Lot Number	20
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	310700

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	31 FOREST ST, SAUGUS, MA 01906-3218
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2021 · Amount on Record
Deed Sale	Sep 22, 2021 · Amount on Record
Prior Sale	Dec 18, 2000 · Amount on Record
Deed Document Number	202155511
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 22, 2021
Property Address	20 SHAFFER ST, LOWELL, MA 01854-3114
Document Number	36286-183
Book / Page	36286 / 183
Instrument Date	Sep 22, 2021
Instrument	55511
Transaction Type	Transfer
Record Updated	Oct 8, 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	Tenants by the Entirety
Address	31 FOREST ST, SAUGUS, MA 01906-3218

Mortgage

Document Number	55512
Date	Sep 22, 2021
Instrument	55512

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2026	$7,767.00 (+17.03%)	$684,300 (+18.37%) Land $121,700 Building $562,600
2025	$6,637.00 (+0.68%)	$578,100 (+4.44%) Land $100,400 Building $477,700
2024	$6,592.00 (-1.95%)	$553,500 (+2.25%) Land $93,800 Building $459,700
2023	$6,723.00	$541,300 Land $81,600 Building $459,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 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

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	Low lower than 97% of the US · lower than 94% 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.

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 434 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