22 Florida St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 22 Florida St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1964
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (May 1999)
Tax Bill	$5,419 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Nov 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`N00820`

Property Details

APN / Parcel Number

Primary APN	`N00820`
Alternative APNs	`LOWE M:250 B:2365 L:22` `M:000250 T:N00820`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	N00820
Street Address	22 FLORIDA ST
City	LOWELL
State	MA
Zip	01852-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	2365
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3004
Census Tract	312502

Owner

Source: Middlesex County and Lowell City records, as of July 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	22 FLORIDA ST, LOWELL, MA 01852-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Nov 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Sep 24, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Jun 30, 2017	Deed of Trust, Mortgage · FHA Mortgage ROSS MORTGAGE CORP
Jul 20, 2018	Deed of Trust, Mortgage HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 1999 · Amount on Record
Deed Sale	May 27, 1999 · Amount on Record
Prior Sale	Mar 15, 1995 · Amount on Record
Deed Book / Page	10174 / 96
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039704-199
Date	Dec 1, 2025
Book Page	39704/199
Instrument	38616

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038210-147
Date	Nov 30, 2023
Book Page	38210/147
Instrument	35482

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36294-175
Date	Sep 24, 2021
Book Page	36294/175
Instrument	56005

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31254-49
Date	Jun 30, 2017
Book Page	31254/49
Instrument	27910

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32256-84
Date	Jul 20, 2018
Book Page	32256/84
Instrument	30773

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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
2025	$5,419.00 (+7.54%)	$472,000 (+11.56%) Land $226,200 Building $245,800	$419,425 (+1.12%)
2024	$5,039.00 (+5.66%)	$423,100 (+10.18%) Land $203,500 Building $219,600	$414,770
2023	$4,769.00	$384,000 Land $177,000 Building $207,000

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	1 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · 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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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