276 White St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 276 White St, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,544 sqft · built 1937
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (May 2023)
Tax Bill	$5,038 (2026)
Deeds & Mortgages	Oct 2024 Refinance May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B07280`

Property Details

APN / Parcel Number

Primary APN	`B07280`
Alternative APNs	`LOWE M:95 B:6330 L:276` `M:000095 T:B07280`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	2,728 sqft
1st Floor Area	929 sqft
Basement Area	864 sqft
Unfinished Basement	588 sqft

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	B07280
Street Address	276 WHITE ST
City	LOWELL
State	MA
Zip	01854-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Subdivision	LAFAYETTE MANOR
Legal Block	6330
Legal Lot Number	276
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3006
Census Tract	310500

Owner

276 White St is owned and occupied by two individuals who bought it in May 2023.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	276 WHITE ST, LOWELL, MA 01854-2453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance OCMBC INC
May 16, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on File
Deed Sale	May 16, 2023 · Amount on File
Prior Sale	Jun 30, 1999 · Amount on File
Deed Book / Page	37832 / 138
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	276 WHITE ST, LOWELL, MA 01854-2453
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038853-48
Date	Oct 28, 2024
Book Page	38853/48
Instrument	33463

Lender

Name	OCMBC INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 16, 2023
Property Address	276 WHITE ST, LOWELL, MA 01854-2453
Document Number	037832-138
Book / Page	37832 / 138
Instrument Date	May 16, 2023
Instrument	13477
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Tenants by the Entirety
Address	276 WHITE ST, LOWELL, MA 01854-2453

Mortgage

Document Number	0000013479
Date	May 16, 2023
Instrument	13479

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 276 White St was $5,038, up 4.7% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,038.00 (+4.65%)	$443,900 (+5.87%) Land $157,100 Building $286,800	$485,356 (+2.84%)
2025	$4,814.00 (+5.02%)	$419,300 (+8.94%) Land $153,200 Building $266,100	$471,960 (+7.02%)
2024	$4,584.00 (+7.73%)	$384,900 (+12.35%) Land $133,700 Building $251,200	$440,990
2023	$4,255.00	$342,600 Land $111,000 Building $231,600

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

Flood

FEMA maps place 276 White St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 276 White St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

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

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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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