28 Bond St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 28 Bond St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,769 sqft · built 1870
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$469,900 (Nov 2022)
Tax Bill	$5,736 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O00810`

Property Details

APN / Parcel Number

Primary APN	`O00810`
Alternative APNs	`LOWE M:105 B:670 L:28` `M:000105 T:O00810`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,769 sqft Living Area
Gross Area	3,910 sqft
1st Floor Area	873 sqft
Attic	Attic
Attic Area	784 sqft
Basement Area	985 sqft
Unfinished Basement	985 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	O00810
Street Address	28 BOND ST
City	LOWELL
State	MA
Zip	01851-3612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	670
Legal Lot Number	28
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2008
Census Tract	311500

Owner

28 Bond St is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	28 BOND ST, LOWELL, MA 01851-3612
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2022 · Amount on File
Deed Sale	Nov 15, 2022 · Amount on File
Prior Sale	Dec 18, 1995 · Amount on File
Deed Document Number	202246569
Prior Transfer Date	Nov 14, 2022
Prior Transfer Doc	0037508-19
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 15, 2022
Property Address	28 BOND ST, LOWELL, MA 01851-3612
Document Number	0037508-19
Book / Page	37508 / 19
Instrument Date	Nov 14, 2022
Instrument	46569
Transaction Type	Transfer
Record Updated	Dec 2, 2022

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	28 BOND ST, LOWELL, MA 01851-3612

Mortgage

Document Number	0000046570
Date	Nov 15, 2022
Instrument	46570

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2027
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 28 Bond St was $5,736, up 5.3% 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	$5,736.00 (+5.31%)	$505,400 (+6.51%) Land $172,700 Building $332,700	$502,222 (-3.97%)
2025	$5,447.00 (+2.21%)	$474,500 (+6.06%) Land $161,400 Building $313,100	$522,975 (-0.22%)
2024	$5,329.00 (+6.24%)	$447,400 (+10.77%) Land $152,300 Building $295,100	$524,115
2023	$5,016.00	$403,900 Land $132,400 Building $271,500

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

Flood

FEMA maps place 28 Bond St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

Wildfire

The area around 28 Bond St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 809 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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