Middlesex County and Lowell City property record for 229 Cross St, Lowell, MA 01854
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 4,293 sqft · built 1900 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,221 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S08595 |
| Primary APN | S08595 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 4,293 sqft Living Area |
| Gross Area | 6,574 sqft |
| 1st Floor Area | 1,771 sqft |
| Basement Area | 1,771 sqft |
| Unfinished Basement | 1,771 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| 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 | S08595 |
|---|---|
| Street Address | 229 CROSS ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3319 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | TMF |
| Legal Block | 1575 |
| Legal Lot Number | 229 |
| 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.
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 | 229 CROSS ST, LOWELL, MA 01854-3319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 229 CROSS ST, LOWELL, MA 01854-3319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31908-5 |
|---|---|
| Date | Mar 5, 2018 |
| Book Page | 31908/5 |
| Instrument | 8944 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Mar 1, 2038 |
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 |
|---|---|---|
| 2026 | $9,221.00 (+16.97%) | $812,400 (+18.3%) Land $121,600 Building $690,800 |
| 2025 | $7,883.00 (+0.59%) | $686,700 (+4.36%) Land $100,300 Building $586,400 |
| 2024 | $7,837.00 (-2.29%) | $658,000 (+1.89%) Land $93,700 Building $564,300 |
| 2023 | $8,021.00 | $645,800 Land $81,500 Building $564,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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