22 Ymca Dr, Unit 2, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 22 Ymca Dr, Unit 2, Lowell, MA 01852

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,126 sqft · built 2005
Lot Size	0.388 acres (16,907 sqft)
Owner	Individual Name on Record
Last Sale	$208,500 (Nov 2015)
Tax Bill	$4,288 (2026)
Deeds & Mortgages	May 2024 Line of Credit Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H10495`

Property Details

APN / Parcel Number

Primary APN	`H10495`
Alternative APNs	`LOWE M:163 B:6530 L:22 U:2` `M:000163 T:H10495`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	8 Units
Stories	3 Stories
Building Area	1,126 sqft Living Area
Gross Area	1,754 sqft
1st Floor Area	510 sqft
Basement Area	205 sqft
Unfinished Basement	205 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,907 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	H10495
Street Address	22 YMCA DR, 2
City	LOWELL
State	MA
Zip	01852-4059
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UMU
Legal Block	6530
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2015
Census Tract	312000

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	Individual Name on Record
Mailing Address	22 YMCA DR, 2, LOWELL, MA 01852-4059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE
Jul 21, 2020	Deed of Trust, Mortgage · Balloon Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2015 · Amount on Record
Deed Sale	Nov 25, 2015 · Amount on Record
Prior Sale	Jul 21, 2006 · Amount on Record
Deed Book / Page	29612 / 230
Transfer Doc	029612-230
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 YMCA DR UNIT 2, 2, LOWELL, MA 01852-4059
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038475-191
Date	May 9, 2024
Book Page	38475/191
Instrument	12501

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2064

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 YMCA DR UNIT 2, 2, LOWELL, MA 01852-4059
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00035818-1
Date	Jun 1, 2021
Book Page	35818/1
Instrument	32225

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 YMCA DR UNIT 2, 2, LOWELL, MA 01852-4059
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34384-31
Date	Jul 21, 2020
Book Page	34384/31
Instrument	32804

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2060

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	$4,288.00 (+0.37%)	$377,800 (+1.53%) Building $377,800	$378,639 (+18.8%)
2025	$4,272.00 (+6.22%)	$372,100 (+10.19%) Building $372,100	$318,725 (-3.01%)
2024	$4,022.00 (+8.7%)	$337,700 (+13.36%) Building $337,700	$328,605
2023	$3,700.00	$297,900 Building $297,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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