Middlesex County and Lowell City property record for 26 Phillips St, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,751 sqft · built 1920 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Jan 2012) |
| Tax Bill | $5,043 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S05520 |
| Primary APN | S05520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,751 sqft Living Area |
| Gross Area | 3,273 sqft |
| 1st Floor Area | 993 sqft |
| Basement Area | 1,021 sqft |
| Unfinished Basement | 1,021 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | S05520 |
|---|---|
| Street Address | 26 PHILLIPS ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 4630 |
| Legal Lot Number | 26 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 310700 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 26 PHILLIPS ST, LOWELL, MA 01854-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| May 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 10, 2012 · Amount on Record |
| Deed Sale | Jan 10, 2012 · Amount on Record |
| Prior Sale | Jan 29, 1999 · Amount on Record |
| Deed Book / Page | 25614 / 251 |
| Transfer Doc | 025614-251 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 26 PHILLIPS ST, LOWELL, MA 01854-3224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 035769-121 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 35769/121 |
| Instrument | 29709 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 26 PHILLIPS ST, LOWELL, MA 01854-3224 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036494-127 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 36494/127 |
| Instrument | 65778 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 26 PHILLIPS ST, LOWELL, MA 01854-3224 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 35769-121 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 35769/121 |
| Instrument | 29709 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 253 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 26 PHILLIPS ST, LOWELL, MA 01854-3224 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36494-127 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 36494/127 |
| Instrument | 65778 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $5,043.00 (+9.85%) | $444,300 (+11.1%) Land $117,100 Building $327,200 | $415,392 (-8.58%) |
| 2025 | $4,591.00 (+2.43%) | $399,900 (+6.27%) Land $96,600 Building $303,300 | $454,385 (-22.79%) |
| 2024 | $4,482.00 (+27%) | $376,300 (+32.45%) Land $90,300 Building $286,000 | $588,525 |
| 2023 | $3,529.00 | $284,100 Land $78,500 Building $205,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 434 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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