Middlesex County and Lowell City property record for 221 Cross St, Lowell, MA 01854
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 1,982 sqft · built 1900 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $520,000 (Aug 2021) |
| Tax Bill | $6,658 (2026) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Aug 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A03990 |
| Primary APN | A03990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,982 sqft Living Area |
| Gross Area | 2,954 sqft |
| 1st Floor Area | 1,334 sqft |
| Basement Area | 810 sqft |
| Unfinished Basement | 810 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | A03990 |
|---|---|
| Street Address | 221 CROSS ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3319 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMF |
| Legal Block | 1575 |
| Legal Lot Number | 221 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
221 Cross St, a duplex, is owned and occupied by two individuals who bought it in August 2021.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 221 CROSS ST, LOWELL, MA 01854-3319 |
| 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.
| Date | Document |
|---|---|
| Aug 16, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Aug 16, 2021 | Correction Deed |
| Mar 3, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CHRISTINE GUARNIERI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2021 · Amount on File |
| Deed Sale | Aug 16, 2021 · Amount on File |
| Prior Sale | Mar 3, 2021 · Amount on File |
| Deed Document Number | 202148157 |
| Prior Transfer Date | Aug 13, 2021 |
| Prior Transfer Doc | 36134-77 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 16, 2021 |
| Property Address | 221 CROSS ST, LOWELL, MA 01854-3319 |
| Document Number | 36134-77 |
| Book / Page | 36134 / 77 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 48157 |
| Transaction Type | Transfer |
| Record Updated | Sep 3, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 221 CROSS ST # 223, 223, LOWELL, MA 01854-3319 |
| Document Number | 48158 |
|---|---|
| Date | Aug 16, 2021 |
| Instrument | 48158 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 16, 2021 |
| Property Address | 221 CROSS ST, LOWELL, MA 01854-3319 |
| Document Number | 36134-68 |
| Book / Page | 36134 / 68 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 48154 |
| Record Updated | Sep 3, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 WINSTEAD AVE, METHUEN, MA 01844-2235 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 3, 2021 |
| Property Address | 221 CROSS ST, LOWELL, MA 01854-3319 |
| Document Number | 35419-279 |
| Book / Page | 35419 / 279 |
| Instrument Date | Mar 3, 2021 |
| Instrument | 12919 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 WINSTEAD AVE, METHUEN, MA 01844-2235 |
| Document Number | 12920 |
|---|---|
| Date | Mar 3, 2021 |
| Instrument | 12920 |
| Name | CHRISTINE GUARNIERI |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 221 Cross St was $6,658, up 4% from the year before.
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,658.00 (+4%) | $586,600 (+5.18%) Land $120,000 Building $466,600 | $606,845 |
| 2025 | $6,402.00 (+10.95%) | $557,700 (+15.11%) Land $99,000 Building $458,700 | |
| 2024 | $5,770.00 (+4.47%) | $484,500 (+8.95%) Land $92,500 Building $392,000 | |
| 2023 | $5,523.00 | $444,700 Land $80,400 Building $364,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Cross St in Zone X, an area of minimal flood risk.
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.
The area around 221 Cross St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 468 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 |
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