285 Hildreth St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 285 Hildreth St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,186 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$278,000 (Jun 2018)
Tax Bill	$4,685 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M05460`

Property Details

APN / Parcel Number

Primary APN	`M05460`
Alternative APNs	`LOWE M:172 B:3005 L:285` `M:000172 T:M05460`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Gross Area	2,457 sqft
1st Floor Area	846 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M05460
Street Address	285 HILDRETH ST
City	LOWELL
State	MA
Zip	01850-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	3005
Legal Lot Number	285
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1008
Census Tract	310300

Owner

285 Hildreth St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	285 HILDRETH ST, LOWELL, MA 01850-1520
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

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST CO
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jun 13, 2018	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2018 · Amount on File
Deed Sale	Jun 13, 2018 · Amount on File
Prior Sale	Mar 30, 2016 · Amount on File
Deed Document Number	201824221
Deed Book / Page	32151 / 258
Transfer Doc	032151-258
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	285 HILDRETH ST, LOWELL, MA 01850-1520
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039937-35
Date	Mar 23, 2026
Book Page	39937/35
Instrument	8386

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	285 HILDRETH ST, LOWELL, MA 01850-1520
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00034786-3
Date	Oct 19, 2020
Book Page	34786/3
Instrument	52260

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 13, 2018
Property Address	285 HILDRETH ST, LOWELL, MA 01850-1520
Document Number	32151-258
Book / Page	032151 / 000258
Instrument Date	Jun 13, 2018
Instrument	24221
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,267.68
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 HILDRETH ST LOWELL MA 018501520, LOWELL, MA 01850-1520

Mortgage

Document Number	32151-261
Date	Jun 13, 2018
Book Page	032151/000261
Instrument	24222

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 285 Hildreth St was $4,685, up 6.4% 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	$4,685.00 (+6.38%)	$412,800 (+7.61%) Land $133,700 Building $279,100	$426,547 (-1.64%)
2025	$4,404.00 (+0.5%)	$383,600 (+4.27%) Land $125,000 Building $258,600	$433,675 (+16.42%)
2024	$4,382.00 (+6.18%)	$367,900 (+10.71%) Land $124,200 Building $243,700	$372,495
2023	$4,127.00	$332,300 Land $108,000 Building $224,300

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

Flood

FEMA maps place 285 Hildreth St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 285 Hildreth 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 484 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.

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