21 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 21 Central St, Lowell, MA 01852

Property Summary

Property Type	Department Store (Apparel, Household Goods, Furniture)
Details	2 bd · 2.5 ba · 4,860 sqft · built 1905
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Tax Bill	$15,532 (2026)
Deeds & Mortgages	Aug 2023 Refinance Jul 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M15320`

Property Details

APN / Parcel Number

Primary APN	`M15320`
Alternative APNs	`LOWE M:178 B:1125 L:21` `M:000178 T:M15320`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	4,860 sqft Total Area
Gross Area	7,290 sqft
1st Floor Area	2,430 sqft
Basement Area	2,430 sqft
Unfinished Basement	2,430 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	M15320
Street Address	21 CENTRAL ST
City	LOWELL
State	MA
Zip	01852-1905
Property Category	Commercial
Property Type	Commercial > Retail > Department Store (Apparel, Household Goods, Furniture)
Local Zoning Code	DMU
Legal Block	1125
Legal Lot Number	21
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1016
Census Tract	310102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

21 Central St, a commercial property, is owned by an individual who acquired it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	21 CENTRAL ST, LOWELL, MA 01852-1905
Owner Type	Individual
Vesting	Individual(s)

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

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BELVIDERE CAPITAL LLC
Jul 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BELVIDERE CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2014
Deed Sale	Jul 8, 2014
Prior Sale	May 22, 2013 · Amount on File
Deed Book / Page	212 / 76
Last Transfer Date	May 13, 2025
Transfer Doc	0000326472
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	21 CENTRAL ST, LOWELL, MA 01852-1905
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000320968
Date	Aug 29, 2023
Instrument	320968

Lender

Name	BELVIDERE CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	21 CENTRAL ST, LOWELL, MA 01852-1905
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037968-71
Date	Jul 24, 2023
Book Page	37968/71
Instrument	21396

Lender

Name	BELVIDERE CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 21 Central St was $15,532, up 45.8% from the year before.

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	$15,532.00 (+45.77%)	$704,700 (+47.95%) Building $704,700
2025	$10,655.00 (+0.63%)	$476,300 (+4.68%) Land $158,600 Building $317,700
2024	$10,588.00 (+74.55%)	$455,000 (+82.73%) Land $151,000 Building $304,000
2023	$6,066.00	$249,000 Land $137,300 Building $111,700

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

Flood

FEMA maps place 21 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

The area around 21 Central 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 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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