Middlesex County and Lowell City property record for 285 Andover St, Lowell, MA 01852
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 20 bd · 20 ba · 13,245 sqft · built 1895 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Company Name on Record |
| Last Sale | $2,200,000 (Sep 2023) |
| Tax Bill | $40,069 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S07375 |
| Primary APN | S07375 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 20 Beds |
|---|---|
| Full Baths | 20 Baths |
| Total Rooms | 34 Rooms |
| Units | 20 Units |
| Stories | 3 Stories |
| Building Area | 13,245 sqft Living Area |
| Gross Area | 19,432 sqft |
| 1st Floor Area | 3,706 sqft |
| Basement Area | 3,640 sqft |
| Unfinished Basement | 100 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,094 sqft (1.15 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | S07375 |
|---|---|
| Street Address | 285 ANDOVER ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-1481 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | SSF |
| Legal Block | 160 |
| Legal Lot Number | 285 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 312501 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Andover Street Historic District listed 2000 · 139 contributing resources · NRIS 00000568 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Middlesex County and Lowell City records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 4 CHOATE LN, IPSWICH, MA 01938-3020 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 16, 2026 | Deed of Trust |
| Jun 6, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANKGLOUCESTER (GLOUCESTER COOP BANK) |
| Jun 9, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BANKGLOUCESTER (GLOUCESTER COOP BANK) |
| Sep 15, 2023 | Quit Claim Deed, Construction Loan · Construction Mortgage PENTUCKET BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2023 · Amount on Record |
| Deed Sale | Sep 15, 2023 · Amount on Record |
| Prior Sale | Aug 23, 1994 · Amount on Record |
| Deed Document Number | 202327287 |
| Deed Book / Page | 38071 / 13 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 16, 2026 |
| Property Address | 285 ANDOVER ST, LOWELL, MA 01852-1481 |
| Document Number | 039994-216 |
| Book / Page | 39994 / 216 |
| Instrument Date | Apr 11, 2026 |
| Instrument | 202611394 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000011394, |
|---|---|
| Date | Apr 16, 2026 |
| Book Page | 39994/216 |
| Instrument | 202611394 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 285 ANDOVER ST, LOWELL, MA 01852-1481 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 042760-407 |
|---|---|
| Date | Jun 6, 2025 |
| Book Page | 42760/407 |
| Instrument | 20250606003860 |
| Name | BANKGLOUCESTER (GLOUCESTER COOP BANK) |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 285 ANDOVER ST, LOWELL, MA 01852-1481 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 039300-260 |
|---|---|
| Date | Jun 9, 2025 |
| Book Page | 39300/260 |
| Instrument | 17133 |
| Name | BANKGLOUCESTER (GLOUCESTER COOP BANK) |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 15, 2023 |
| Property Address | 285 ANDOVER ST, LOWELL, MA 01852-1438 |
| Document Number | 0038071-13 |
| Book / Page | 38071 / 13 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 27287 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 CHOATE LN, IPSWICH, MA 01938-3020 |
| Document Number | 0000027288 |
|---|---|
| Date | Sep 15, 2023 |
| Instrument | 27288 |
| Name | PENTUCKET BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $40,069.00 (+15.66%) | $3,530,300 (+16.99%) Land $296,300 Building $3,234,000 |
| 2025 | $34,643.00 | $3,017,700 (-6.5%) Land $276,900 Building $2,740,800 |
| 2024 | $3,227,400 (+7.56%) Land $234,100 Building $2,993,300 | |
| 2023 | $3,000,600 Land $212,200 Building $2,788,400 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 Claims | 2 (1982–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 643 locations within half a mile, as of December 31, 2025
| Provider | Max 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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