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21 Saint James St, Lowell, MA 01852 Property Records

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

Property Summary

Property TypeDuplex
Details6 bd · 4 ba · 3,341 sqft · built 1890
Lot Size0.12 acres (5,227 sqft)
OwnerIndividual Name on File
Last Sale$635,000 (Jan 2024)
Tax Bill$9,015 (2025)
Deeds & MortgagesFeb 2022 Refinance
Jan 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNS17210

Property Details

APN / Parcel Number

Primary APNS17210
Alternative APNs
  • LOWE M:206 B:5460 L:21
  • M:000206 T:S17210

Interior

Bedrooms6 Beds
Full Baths4 Baths
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area3,341 sqft Living Area
Gross Area5,855 sqft
1st Floor Area1,677 sqft
Basement Area1,650 sqft
Unfinished Basement1,650 sqft

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area5,227 sqft (0.12 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberS17210
Street Address21 SAINT JAMES ST
CityLOWELL
StateMA
Zip01852-5010
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block5460
Legal Lot Number21
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group2
Census Block2007
Census Tract312100

Owner

Source: Middlesex County and Lowell City records · APN S17210

Assessment roll updated April 14, 2026 · Last verified April 2026

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

Owner of RecordIndividual Name on File
Mailing Address21 SAINT JAMES ST, 23, LOWELL, MA 01852-5010
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Feb 09, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
TOTAL MORTGAGE SERVICES LLC
Jan 10, 2024Quit Claim Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Aug 08, 2019Deed of Trust, Mortgage · Conventional Mortgage
MILLS 42 CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 10, 2024 · Amount on Record
Deed SaleJan 10, 2024 · Amount on Record
Prior SaleNov 17, 2014 · Amount on Record
Deed Book / Page38275 / 20
Record UpdatedJun 08, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address21 SAINT JAMES ST, LOWELL, MA 01852-5010
Transaction TypeMortgage
Record UpdatedApr 02, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number036803-120
DateFeb 09, 2022
Book Page36803/120
Instrument6423
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

January 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateJan 10, 2024
Property Address21 SAINT JAMES ST, LOWELL, MA 01852-5010
Document Number0038275-20
Book / Page38275 / 20
Instrument DateJan 10, 2024
Instrument763
Transaction TypeTransfer
Record UpdatedJan 26, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
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
RelationshipTenants in Common
Address21 SAINT JAMES ST # 23, 23, LOWELL, MA 01852-5010

Mortgage

Document Number0000000764
DateJan 10, 2024
Instrument764
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address21 SAINT JAMES ST, LOWELL, MA 01852-5010
Document Number33265-177
Instrument DateAug 08, 2019
Transaction TypeMortgage
Record UpdatedSep 04, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address21 SAINT JAMES ST LOWELL MA 018525010, LOWELL, MA 01852-5010

Mortgage

Document Number33265-177
DateAug 19, 2019
Book Page033265/000177
Instrument34887
Lender
NameMILLS 42 CU
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueAug 18, 2034

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$9,015.00 (+28.64%)$785,300 (+33.46%) Land $121,800 Building $663,500
2024$7,008.00 (+7.32%)$588,400 (+11.91%) Land $109,900 Building $478,500
2023$6,530.00$525,800 Land $95,600 Building $430,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20

May also be available: AT&T.

Based on FCC filings for 440 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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