Middlesex County and Lowell City property record for 278 Central St, Lowell, MA 01852 · Last verified April 2026
| Property Type | Commercial > Retail > Boarding/Rooming House, Apt Hotel |
|---|---|
| Bedrooms | 20 Beds |
| Architecture Style | Condo/Apartment |
| Year Built | Built 1824 |
| Square Footage | 8,960 sqft Living Area |
| Lot Size | 3,485 sqft (0.08 acres) |
| Last Sale | $1,410,000 (2021) |
| Tax Bill | $8,484.00 (2025) |
| Primary APN | S06420 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 20 Beds |
|---|---|
| Units | 3 Units |
| Building Area | 8,960 sqft Living Area |
| Gross Area | 11,440 sqft Gross Area |
| 1st Floor | 2,480 sqft 1st Floor |
| Basement Area | 2,160 sqft Basement |
| Unfinished Basement | 2,160 sqft Unfinished |
| Stories | 4 Stories |
| Year Built | Built 1824 |
|---|---|
| Effective Year Built | Effective 1824 |
| Architectural Style | Condo/Apartment Style |
| Exterior Material | Brick Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Flat Roof Construction |
| Roof Material | Roll Composition (rolled Mineral Roof) Roof |
| Lot Area | 3,485 sqft (0.08 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | S06420 |
|---|---|
| Street Address | 278 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2204 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Boarding/Rooming House, Apt Hotel |
| Legal Block | 1125 |
| Legal Lot Number | 278 |
| Jurisdiction | LOWELL MA |
| Minor Civil Division | LOWELL |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 310101 |
Source: Middlesex County and Lowell City records · APN S06420
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 40 EASTERN AVE, 334, MALDEN, MA 02148-5030 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 14, 2017 | Deed of Trust, Mortgage · Commercial Mortgage ENTERPRISE BANK & TRUST CO |
| Sep 10, 2019 | Deed of Trust, Mortgage · Stand Alone Refinance ENTERPRISE BANK & TRUST CO |
| Jul 02, 2021 | Quit Claim Arm's Length for NE States, Transfer · Commercial Mortgage MIDDLESEX FSLA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 02, 2021 · Amount on Record |
| Deed Sale | Jul 02, 2021 · Amount on Record |
| Prior Sale | Nov 08, 2006 · Amount on Record |
| Deed Doc Number | 202139517 |
| Deed Book / Page | 35962 / 277 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 278 CENTRAL ST, LOWELL, MA 01852-2204 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 031466-246 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 31466/246 |
| Instrument | 40786 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 278 CENTRAL ST, LOWELL, MA 01852-2204 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0033333-92 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 33333/92 |
| Instrument | 38585 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 02, 2021 |
| Property Address | 278 CENTRAL ST, LOWELL, MA 01852-2204 |
| Document Number | 035962-277 |
| Book / Page | 35962 / 277 |
| Instrument Date | Jul 01, 2021 |
| Instrument | 39517 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 EASTERN AVE # 334, 334, MALDEN, MA 02148-5030 |
| Document Number | 0000039518 |
|---|---|
| Date | Jul 02, 2021 |
| Instrument | 39518 |
| Name | MIDDLESEX FSLA |
|---|---|
| Type | Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,484.00 (+1.37%) | $739,000 (+5.17%) Land $205,200 Building $533,800 |
| 2024 | $8,369.00 (+4.39%) | $702,700 (+8.86%) Land $191,800 Building $510,900 |
| 2023 | $8,017.00 | $645,500 Land $166,800 Building $478,700 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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