22 Lane St, Lowell, MA 01851 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,470 sqft · built 2011
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$594,500 (Apr 2026)
Tax Bill	$5,396 (2026)
Deeds & Mortgages	Jun 2022 Refinance Apr 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C20380`

Property Details

APN / Parcel Number

Primary APN	`C20380`
Alternative APNs	`LOWE M:0122 B:3475 L:0022` `M:000122 T:C20380`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	2,770 sqft
1st Floor Area	720 sqft
Attic	Attic
Attic Area	480 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	C20380
Street Address	22 LANE ST
City	LOWELL
State	MA
Zip	01851-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMFSF
Legal Subdivision	DEAN JENKINS
Legal Block	3475
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	311800

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 Individual Names on Record
Mailing Address	22 LANE ST, LOWELL, MA 01851-2610
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Apr 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK
Apr 2, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Sep 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MEI ZHOU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	Apr 2, 2012 · Amount on Record
Deed Document Number	20269817
Deed Book / Page	39965 / 131
Transfer Doc	0025865-86
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 LANE ST, LOWELL, MA 01851-2610
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037153-209
Date	Jun 16, 2022
Book Page	37153/209
Instrument	25816

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 LANE ST, LOWELL, MA 01851-2610
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036992-224
Date	Apr 19, 2022
Book Page	36992/224
Instrument	16855

Lender

Name	TRUIST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 2, 2026
Property Address	22 LANE ST, LOWELL, MA 01851-2610
Document Number	039965-131
Book / Page	39965 / 131
Instrument Date	Apr 2, 2026
Instrument	20269817
Transaction Type	Transfer
Record Updated	Jul 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22 LANE ST, LOWELL, MA 01851-2610

Mortgage

Date	Apr 2, 2026

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.01%
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 LANE ST, LOWELL, MA 01851-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33347-156
Date	Sep 16, 2019
Book Page	33347/156
Instrument	39384

Lender

Name	MEI ZHOU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2020

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	$5,396.00 (+10.01%)	$475,400 (+11.26%) Land $131,600 Building $343,800	$535,201 (+7.93%)
2025	$4,905.00 (-1.92%)	$427,300 (+1.76%) Land $116,100 Building $311,200	$495,900 (+9.41%)
2024	$5,001.00 (+4.56%)	$419,900 (+9.04%) Land $108,500 Building $311,400	$453,245
2023	$4,783.00	$385,100 Land $94,400 Building $290,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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