22 Bertram St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 22 Bertram St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,326 sqft · built 1900
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,652 (2026)
Deeds & Mortgages	Jun 2021 Transfer Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M01360`

Property Details

APN / Parcel Number

Primary APN	`M01360`
Alternative APNs	`LOWE M:90 B:575 L:22` `M:000090 T:M01360`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,326 sqft Living Area
Gross Area	6,361 sqft
1st Floor Area	1,812 sqft
Attic	Attic
Attic Area	1,086 sqft
Basement Area	1,812 sqft
Unfinished Basement	726 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	M01360
Street Address	22 BERTRAM ST
City	LOWELL
State	MA
Zip	01851-3402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	575
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	311600

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 Company Names on Record
Mailing Address	22 BERTRAM ST, LOWELL, MA 01851-3402
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 5, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 4, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2016
Deed Sale	Feb 24, 2016
Deed Book / Page	29824 / 26
Last Transfer Date	Jun 28, 2021
Transfer Doc	0035941-11
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 29, 2021
Property Address	22 BERTRAM ST, LOWELL, MA 01851-3402
Document Number	0035941-11
Book / Page	35941 / 11
Instrument Date	Jun 28, 2021
Instrument	38425
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BERTRAM ST, LOWELL, MA 01851-3402

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 5, 2021
Property Address	22 BERTRAM ST, LOWELL, MA 01851-3402
Document Number	035298-193
Book / Page	35298 / 193
Instrument Date	Dec 15, 2020
Instrument	7314
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BERTRAM ST, LOWELL, MA 01851-3402

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 4, 2020
Property Address	22 BERTRAM ST, LOWELL, MA 01851-3402
Document Number	035003-266
Book / Page	35003 / 266
Instrument Date	Nov 30, 2020
Instrument	62895
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 BERTRAM ST, LOWELL, MA 01851-3402

Mortgage

Document Number	035003-269
Date	Dec 4, 2020
Book Page	35003/269
Instrument	62896

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

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	$8,652.00 (+4.51%)	$762,300 (+5.7%) Land $232,300 Building $530,000	$712,405 (-14.5%)
2025	$8,279.00 (+5.1%)	$721,200 (+9.04%) Land $217,100 Building $504,100	$833,245 (-)
2024	$7,877.00 (+5.79%)	$661,400 (+10.33%) Land $186,000 Building $475,400	$833,245
2023	$7,446.00	$599,500 Land $161,700 Building $437,800

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1979–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2011 · rainfall accumulation

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	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 809 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bertram St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures