Middlesex County and Lowell City property record for 286 White St, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,253 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,500 (2026) |
| Deeds & Mortgages | Oct 2024 Reverse Mortgage Oct 2024 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T05805 |
| Primary APN | T05805 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,253 sqft Living Area |
| Gross Area | 2,262 sqft |
| 1st Floor Area | 696 sqft |
| Basement Area | 696 sqft |
| Unfinished Basement | 696 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | T05805 |
|---|---|
| Street Address | 286 WHITE ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-2453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 6330 |
| Legal Lot Number | 286 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 310500 |
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 286 WHITE ST, LOWELL, MA 01854-2453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2024 | Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Oct 28, 2024 | Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 286 WHITE ST, LOWELL, MA 01854-2453 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0038852-31 |
|---|---|
| Date | Oct 28, 2024 |
| Book Page | 38852/31 |
| Instrument | 33416 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 817 Months |
| Due | Nov 1, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 286 WHITE ST, LOWELL, MA 01854-2453 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0038852-17 |
|---|---|
| Date | Oct 28, 2024 |
| Book Page | 38852/17 |
| Instrument | 33415 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 817 Months |
| Due | Nov 1, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Dec 1, 2024 |
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,500.00 (+4.19%) | $484,600 (+5.39%) Land $211,200 Building $273,400 | $453,140 (+4.69%) |
| 2025 | $5,279.00 (+5.66%) | $459,800 (+9.61%) Land $206,100 Building $253,700 | $432,820 (+8.17%) |
| 2024 | $4,996.00 (+8.56%) | $419,500 (+13.23%) Land $179,700 Building $239,800 | $400,140 |
| 2023 | $4,602.00 | $370,500 Land $149,300 Building $221,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 487 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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