22 Rule Ln, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 22 Rule Ln, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 912 sqft · built 1963
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2019)
Tax Bill	$4,798 (2026)
Deeds & Mortgages	Jan 2022 Refinance Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M09290`

Property Details

APN / Parcel Number

Primary APN	`M09290`
Alternative APNs	`LOWE M:55 B:5110 L:22` `M:000055 T:M09290`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	1,872 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M09290
Street Address	22 RULE LN
City	LOWELL
State	MA
Zip	01854-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5110
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	310601

Owner

22 Rule Ln is owned and occupied by two individuals who acquired it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 RULE LN, LOWELL, MA 01854-1327
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 24, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Aug 26, 2019	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2017	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2019 · Amount on File
Deed Sale	Aug 26, 2019 · Amount on File
Prior Sale	Jan 30, 2017 · Amount on File
Deed Document Number	201935998
Deed Book / Page	33284 / 260
Last Transfer Date	Jan 19, 2022
Transfer Doc	036752-128
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 24, 2022
Property Address	22 RULE LN, LOWELL, MA 01854-1327
Document Number	036752-128
Book / Page	36752 / 128
Instrument Date	Jan 19, 2022
Instrument	3737
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 RULE LN, LOWELL, MA 01854-1327

Mortgage

Document Number	0000003738
Date	Jan 24, 2022
Instrument	3738

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 26, 2019
Property Address	22 RULE LN, LOWELL, MA 01854-1327
Document Number	33284-260
Book / Page	33284 / 260
Instrument Date	Aug 26, 2019
Instrument	35998
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	22 RULE LN, LOWELL, MA 01854-1327

Mortgage

Document Number	35999
Date	Aug 26, 2019
Instrument	35999

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 30, 2017
Property Address	22 RULE LN, LOWELL, MA 01854-1327
Document Number	30876-156
Book / Page	30876 / 156
Instrument	4402
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.74
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	308760158
Date	Jan 30, 2017
Instrument	30876/0158

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 22 Rule Ln was $4,798, up 2.5% 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	Assessed Market Value
2026	$4,798.00 (+2.54%)	$422,700 (+3.7%) Land $185,200 Building $237,500	$473,432 (+16.85%)
2025	$4,679.00 (+5.79%)	$407,600 (+9.75%) Land $173,100 Building $234,500	$405,175 (+4.23%)
2024	$4,423.00 (+5.26%)	$371,400 (+9.78%) Land $161,700 Building $209,700	$388,740
2023	$4,202.00	$338,300 Land $140,600 Building $197,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22 Rule Ln 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1981–2008)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 2008 · 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

Wildfire risk around 22 Rule Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Nearby Properties on Rule Ln

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