Middlesex County and Lowell City property record for 265 3rd St, Lowell, MA 01850
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,830 sqft · built 1900 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,000 (Mar 2018) |
| Tax Bill | $5,668 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Nov 2017 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | K05560 |
| Primary APN | K05560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,830 sqft Living Area |
| Gross Area | 4,127 sqft |
| 1st Floor Area | 934 sqft |
| Basement Area | 1,066 sqft |
| Unfinished Basement | 1,066 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | K05560 |
|---|---|
| Street Address | 265 3RD ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 5675 |
| Legal Lot Number | 265 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 310200 |
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 | 265 3RD ST, LOWELL, MA 01850-2247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 13, 2024 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Nov 22, 2017 | Deed of Trust, Mortgage LENDINGHOME FUNDING C |
| Dec 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Mar 15, 2018 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Jun 29, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2018 · Amount on Record |
| Deed Sale | Mar 15, 2018 · Amount on Record |
| Prior Sale | Jun 29, 2017 · Amount on Record |
| Deed Book / Page | 31929 / 211 |
| Transfer Doc | 031929-211 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 265 3RD ST, LOWELL, MA 01850-2247 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 038368-193 |
|---|---|
| Date | Mar 13, 2024 |
| Book Page | 38368/193 |
| Instrument | 6348 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 265 3RD ST, LOWELL, MA 01850-2247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31665-1 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 31665/1 |
| Instrument | 52522 |
| Name | LENDINGHOME FUNDING C |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 265 3RD ST, LOWELL, MA 01850-2247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34989-175 |
|---|---|
| Date | Dec 1, 2020 |
| Book Page | 34989/175 |
| Instrument | 62103 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 15, 2018 |
| Property Address | 265 3RD ST, LOWELL, MA 01850-2247 |
| Document Number | 31929-211 |
| Book / Page | 031929 / 000211 |
| Instrument Date | Mar 13, 2018 |
| Instrument | 10189 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,299.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 265 3RD ST LOWELL MA 018502247, LOWELL, MA 01850-2247 |
| Document Number | 31929-214 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 031929/000214 |
| Instrument | 10190 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 14, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 29, 2017 |
| Property Address | 265 3RD ST, LOWELL, MA 01850-2247 |
| Document Number | 31246-163 |
| Book / Page | 031246 / 000163 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 27488 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $661.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20C DEL CARMINE ST #101 WAKEFIELD MA 018803487, 101, WAKEFIELD, MA 01880-3487 |
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 | $5,668.00 (+6.42%) | $499,400 (+7.65%) Land $128,600 Building $370,800 | $495,962 (+5.98%) |
| 2025 | $5,326.00 (+2.42%) | $463,900 (+6.25%) Land $120,200 Building $343,700 | $467,970 (+4.52%) |
| 2024 | $5,200.00 (+5.65%) | $436,600 (+10.17%) Land $112,300 Building $324,300 | $447,735 |
| 2023 | $4,922.00 | $396,300 Land $97,700 Building $298,600 |
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 |
|---|---|
| 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 | Low lower than 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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