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21 C St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 21 C St, Lowell, MA 01851

Property Summary

Property TypeDuplex
Details7 bd · 2 ba · 2,716 sqft · built 1940
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$379,900 (Feb 2020)
Tax Bill$6,162 (2026)
Deeds & MortgagesJan 2021 Refinance
Feb 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNS10790

Property Details

APN / Parcel Number

Primary APNS10790
Alternative APNs
  • LOWE M:124 B:945 L:21
  • M:000124 T:S10790

Interior

Bedrooms7 Beds
Full Baths2 Baths
Total Rooms11 Rooms
Units2 Units
Stories2 Stories
Building Area2,716 sqft Living Area
Gross Area4,323 sqft
1st Floor Area1,370 sqft
Basement Area1,370 sqft
Unfinished Basement1,370 sqft

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberS10790
Street Address21 C ST
CityLOWELL
StateMA
Zip01851-4207
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block945
Legal Lot Number21
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group2
Census Block2002
Census Tract311700

Owner

21 C St, a duplex, is owned by two individuals who bought it in February 2020.

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

Owner of Record2 Individual Names on File
Mailing Address188 ACROPOLIS RD, LOWELL, MA 01854-1304
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 21, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 21, 2020 · Amount on File
Deed SaleFeb 21, 2020 · Amount on File
Prior SaleApr 12, 2013 · Amount on File
Deed Document Number20207839
Deed Book / Page33853 / 28
Record UpdatedOct 29, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address21 C ST, LOWELL, MA 01851-4207
Transaction TypeMortgage
Record UpdatedApr 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number035200-101
DateJan 15, 2021
Book Page35200/101
Instrument2901
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateFeb 21, 2020
Property Address21 C ST, LOWELL, MA 01851-4207
Document Number33853-28
Book / Page33853 / 28
Instrument DateFeb 21, 2020
Instrument7839
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address188 ACROPOLIS RD, LOWELL, MA 01854-1304

Mortgage

Document Number7840
DateFeb 21, 2020
Instrument7840
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 21 C St was $6,162, up 4.7% from the year before.

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,162.00 (+4.69%)$542,900 (+5.89%) Land $170,600 Building $372,300$665,857
2025$5,886.00 (+8.38%)$512,700 (+12.43%) Land $159,400 Building $353,300
2024$5,431.00 (+7.8%)$456,000 (+12.43%) Land $143,400 Building $312,600
2023$5,038.00$405,600 Land $124,700 Building $280,900

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

Flood

FEMA maps place 21 C St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 21 C St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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

ProviderMax 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

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