285 Stevens St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 285 Stevens St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	9 bd · 2 ba · 4,244 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,718 (2026)
Deeds & Mortgages	Jul 2020 Refinance Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M21575`

Property Details

APN / Parcel Number

Primary APN	`M21575`
Alternative APNs	`LOWE M:105 B:5525 L:285` `M:000105 T:M21575`

Interior

Bedrooms	9 Beds
Full Baths	2 Baths
Total Rooms	15 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,244 sqft Living Area
Gross Area	6,952 sqft
1st Floor Area	1,714 sqft
Attic	Attic
Attic Area	180 sqft
Basement Area	1,659 sqft
Unfinished Basement	1,659 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M21575
Street Address	285 STEVENS ST
City	LOWELL
State	MA
Zip	01851-3624
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	5525
Legal Lot Number	285
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	311500

Owner

285 Stevens St, a duplex, is owned and occupied by two individuals who acquired it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	285 STEVENS ST, LOWELL, MA 01851-3624
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
Jul 28, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance BANK OF AMERICA NA
Jul 6, 2017	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2017
Deed Sale	Jul 6, 2017
Deed Book / Page	31267 / 152
Last Transfer Date	Jul 24, 2020
Transfer Doc	34419-169
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 28, 2020
Property Address	285 STEVENS ST, LOWELL, MA 01851-3624
Document Number	34419-169
Book / Page	34419 / 169
Instrument Date	Jul 24, 2020
Instrument	34509
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	285 STEVENS ST # 287, 287, LOWELL, MA 01851-3624

Mortgage

Document Number	34419-173
Date	Jul 28, 2020
Book Page	34419/173
Instrument	34510

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 6, 2017
Property Address	285 STEVENS ST, LOWELL, MA 01851-3624
Document Number	31267-152
Book / Page	031267 / 000152
Instrument Date	Jun 30, 2017
Instrument	28690
Transaction Type	Transfer
Record Updated	Aug 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285-287 STEVENS ST LOWELL MA 018513624, LOWELL, MA 01851-3624

Mortgage

Document Number	31267-155
Date	Jul 6, 2017
Book Page	031267/000155
Instrument	28691

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 285 Stevens St was $9,718, up 4.5% 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	$9,718.00 (+4.49%)	$856,200 (+5.69%) Land $166,600 Building $689,600	$807,544
2025	$9,300.00 (+7.69%)	$810,100 (+11.72%) Land $155,700 Building $654,400
2024	$8,636.00 (+7.44%)	$725,100 (+12.04%) Land $146,900 Building $578,200
2023	$8,038.00	$647,200 Land $127,700 Building $519,500

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

Flood

FEMA maps place 285 Stevens 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 285 Stevens 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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