228 Varnum Ave, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 228 Varnum Ave, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,030 sqft · built 1925
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Oct 2025)
Tax Bill	$7,319 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C07060`

Property Details

APN / Parcel Number

Primary APN	`C07060`
Alternative APNs	`LOWE M:83 B:5880 L:228` `M:000083 T:C07060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	3,030 sqft Living Area
Gross Area	7,124 sqft
1st Floor Area	1,668 sqft
Basement Area	1,644 sqft
Unfinished Basement	1,644 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	C07060
Street Address	228 VARNUM AVE
City	LOWELL
State	MA
Zip	01854-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5880
Legal Lot Number	228
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1014
Census Tract	310602

Owner

Source: Middlesex County and Lowell City records · APN C07060

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	228 VARNUM AVE, LOWELL, MA 01854-2513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Dec 05, 2016 · Amount on Record
Deed Document Number	202532449
Deed Book / Page	39583 / 290
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 10, 2025
Property Address	228 VARNUM AVE, LOWELL, MA 01854-2513
Document Number	039583-290
Book / Page	39583 / 290
Instrument Date	Oct 10, 2025
Instrument	32449
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	228 VARNUM AVE, LOWELL, MA 01854-2513

Mortgage

Document Number	0000032450
Date	Oct 10, 2025
Instrument	32450

Lender

Name	BLUE WATER MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,319.00 (+5.58%)	$637,500 (+9.54%) Land $138,500 Building $499,000	$553,470 (+2.66%)
2024	$6,932.00 (+6.52%)	$582,000 (+11.07%) Land $111,700 Building $470,300	$539,125
2023	$6,508.00	$524,000 Land $91,200 Building $432,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173106021, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	333 units insured incl. 324 condo units
Nearby Flood Claims	27 (1979–2015)
Claims Outside the SFHA	5 of 27
Most Recent Claim	Feb 2015 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 17 claims Severe Storms & Flooding, Apr 1987 · 2 claims

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 324 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA3160000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.