28 Smith St, Lowell, MA 01851 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,182 sqft · built 1900
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Mar 2018)
Tax Bill	$3,693 (2025)
Deeds & Mortgages	Jul 2022 Refinance Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`Z00160`

Property Details

APN / Parcel Number

Primary APN	`Z00160`
Alternative APNs	`LOWE M:121 B:5400 L:28` `M:000121 T:Z00160`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,182 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	894 sqft
Basement Area	894 sqft
Unfinished Basement	894 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	Z00160
Street Address	28 SMITH ST
City	LOWELL
State	MA
Zip	01851-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	28
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1015
Census Tract	311200

Owner

Source: Middlesex County and Lowell City assessment roll, as of April 14, 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 File
Mailing Address	28 SMITH ST, LOWELL, MA 01851-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Mar 26, 2018	Quit Claim Deed, Transfer SALEM FIVE MTG CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Prior Sale	Feb 20, 1998 · Amount on Record
Deed Book / Page	31953 / 64
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	28 SMITH ST, LOWELL, MA 01851-1819
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037253-215
Date	Jul 26, 2022
Book Page	37253/215
Instrument	31692

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 26, 2018
Property Address	28 SMITH ST, LOWELL, MA 01851-1819
Document Number	31953-64
Book / Page	31953 / 64
Instrument	11687
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$23.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SMITH ST, LOWELL, MA 01851-1819

Mortgage

Document Number	319530067
Date	Mar 26, 2018
Instrument	31953/0067

Lender

Name	SALEM FIVE MTG CO

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

Tax Assessment & Valuation

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
2025	$3,693.00 (+2.58%)	$321,700 (+6.42%) Land $107,900 Building $213,800	$321,765 (+14.5%)
2024	$3,600.00 (+6.16%)	$302,300 (+10.73%) Land $100,900 Building $201,400	$281,010
2023	$3,391.00	$273,000 Land $87,700 Building $185,300

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

Flood

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

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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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