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281 Concord St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 281 Concord St, Lowell, MA 01852

Property Summary

Property TypeDuplex
Details6 bd · 3 ba · 3,661 sqft · built 1900
Lot Size0.06 acres (2,614 sqft)
OwnerIndividual Name on Record
Last Sale$628,000 (Sep 2022)
Tax Bill$8,259 (2026)
Deeds & MortgagesSep 2022 Sale & Mortgage
Aug 2020 Refinance
+ 2 more
Flood ZoneZone X (minimal risk)
APNS12290

Property Details

APN / Parcel Number

Primary APNS12290
Alternative APNs
  • LOWE M:202 B:1445 L:281
  • M:000202 T:S12290

Interior

Bedrooms6 Beds
Full Baths3 Baths
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area3,661 sqft Living Area
Gross Area5,656 sqft
1st Floor Area1,417 sqft
Basement Area1,417 sqft
Unfinished Basement1,325 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialSlate
Lot Area2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberS12290
Street Address281 CONCORD ST
CityLOWELL
StateMA
Zip01852-2706
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block1445
Legal Lot Number281
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group2
Census Block2008
Census Tract312400

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address283 CONCORD ST, LOWELL, MA 01852-2706
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2022Quit Claim Deed, Transfer · FHA Mortgage
MOVEMENT MORTGAGE
Aug 20, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
EASTERN BANK
Dec 16, 2019Quit Claim Deed, Transfer
NOT AVAILABLE
Oct 20, 2017Quit Claim Deed, Transfer
MERRIMACK MTG CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 30, 2022 · Amount on Record
Deed SaleSep 30, 2022 · Amount on Record
Prior SaleOct 20, 2017 · Amount on Record
Deed Book / Page37418 / 285
Record UpdatedOct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateSep 30, 2022
Property Address281 CONCORD ST, LOWELL, MA 01852-2706
Document Number037418-285
Book / Page37418 / 285
Instrument DateSep 30, 2022
Instrument41309
Transaction TypeTransfer
Record UpdatedOct 14, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address281 CONCORD ST # 283, 283, LOWELL, MA 01852-2706

Mortgage

Document Number0000041310
DateSep 30, 2022
Instrument41310
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address281 CONCORD ST, LOWELL, MA 01852-2706
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number34517-61
DateAug 20, 2020
Book Page34517/61
Instrument39237
Lender
NameEASTERN BANK
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateDec 16, 2019
Property Address281 CONCORD ST, LOWELL, MA 01852-2706
Document Number33661-154
Book / Page033661 / 000154
Instrument DateNov 6, 2019
Instrument56442
Transaction TypeTransfer
Record UpdatedDec 31, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 OXFORD RD TEWKSBURY MA 018764035, TEWKSBURY, MA 01876-4035

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateOct 20, 2017
Property Address281 CONCORD ST, LOWELL, MA 01852-2706
Document Number31571-5
Book / Page31571 / 5
Instrument47006
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$39.84
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address281 CONCORD ST, LOWELL, MA 01852-2706

Mortgage

Document Number315710008
DateOct 20, 2017
Instrument31571/0008
Lender
NameMERRIMACK MTG CO
Agreement
AmountAmount Recorded
Term240 Months
DueOct 20, 2037

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,259.00 (+5.52%)$727,700 (+6.73%) Land $115,400 Building $612,300$688,693
2025$7,827.00 (+7.37%)$681,800 (+11.39%) Land $100,700 Building $581,100
2024$7,290.00 (+7.28%)$612,100 (+11.88%) Land $98,600 Building $513,500
2023$6,795.00$547,100 Land $85,700 Building $461,400

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskLow
lower than 98% of the US · lower than 96% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 643 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 2,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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