Middlesex County and Lowell City property record for 231 Central St, Lowell, MA 01852
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 9 bd · 11 ba · 11,776 sqft · built 1884 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Company Name on Record |
| Last Sale | $700,000 (Sep 2020) |
| Tax Bill | $24,313 (2025) |
| Deeds & Mortgages | Apr 2021 Refinance Oct 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T08595 |
| Primary APN | T08595 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 11 Baths |
| Total Rooms | 29 Rooms |
| Units | 9 Units |
| Stories | 4 Stories |
| Building Area | 11,776 sqft Living Area |
| Gross Area | 14,720 sqft |
| 1st Floor Area | 2,944 sqft |
| Basement Area | 2,944 sqft |
| Unfinished Basement | 2,944 sqft |
| Year Built | Built 1884 |
|---|---|
| Effective Year Built | Effective 1884 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Tar & Gravel |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | T08595 |
|---|---|
| Street Address | 231 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2251 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | DMU |
| Legal Block | 1125 |
| Legal Lot Number | 231 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 310101 |
Source: Middlesex County and Lowell City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 10 S MEADOW DR, SUDBURY, MA 01776-3390 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION |
| Oct 24, 2023 | Deed of Trust, Mortgage · Commercial Mortgage HINGHAM INSTITUTION FOR SAVINGS |
| Sep 29, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ALIGN CREDIT UNION |
| Mar 1, 2018 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 29, 2020 · Amount on Record |
| Deed Sale | Sep 29, 2020 · Amount on Record |
| Prior Sale | Mar 1, 2018 · Amount on Record |
| Deed Document Number | 202047658 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 231 CENTRAL ST, LOWELL, MA 01852-2251 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0035684-30 |
|---|---|
| Date | Apr 29, 2021 |
| Book Page | 35684/30 |
| Instrument | 25500 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 231 CENTRAL ST, LOWELL, MA 01852-2251 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00038141-1 |
|---|---|
| Date | Oct 24, 2023 |
| Book Page | 38141/1 |
| Instrument | 31422 |
| Name | HINGHAM INSTITUTION FOR SAVINGS |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 29, 2020 |
| Property Address | 231 CENTRAL ST, LOWELL, MA 01852-2214 |
| Document Number | 34691-239 |
| Book / Page | 34691 / 239 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 47658 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 | 10 S MEADOW DR, SUDBURY, MA 01776-3390 |
| Document Number | 47660 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 47660 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 1, 2018 |
| Property Address | 231 CENTRAL ST, LOWELL, MA 01852-2214 |
| Document Number | 31900-56 |
| Book / Page | 031900 / 000056 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 8381 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 231 CENTRAL ST LOWELL MA 018522214, LOWELL, MA 01852-2214 |
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 |
|---|---|---|
| 2025 | $24,313.00 (-8.09%) | $2,117,900 (-4.65%) Land $201,300 Building $1,916,600 |
| 2024 | $26,453.00 (+177.55%) | $2,221,100 (+189.43%) Land $188,100 Building $2,033,000 |
| 2023 | $9,531.00 | $767,400 Land $163,600 Building $603,800 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
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.
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 410 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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