Middlesex County and Lowell City property record for 289 Central St, Lowell, MA 01852
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3 bd · 2.5 ba · 2,275 sqft · built 1920 |
| Lot Size | 0.02 acres (871 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,000 (Jul 2026) |
| Tax Bill | $4,783 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S05240 |
| Primary APN | S05240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 2,275 sqft Total Area |
| Gross Area | 3,640 sqft |
| 1st Floor Area | 910 sqft |
| Attic | Attic |
| Attic Area | 910 sqft |
| Basement Area | 910 sqft |
| Unfinished Basement | 910 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 871 sqft (0.02 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | S05240 |
|---|---|
| Street Address | 289 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2202 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | UMU |
| Legal Block | 1125 |
| Legal Lot Number | 289 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 310101 |
289 Central St, a commercial property, is owned by two individuals who bought it in July 2026.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 10, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Mar 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| Oct 19, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ATHENS STREET CAPITAL |
| Apr 29, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 6, 2018 | Quit Claim Deed, Transfer STEVEN A SHANAHAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on File |
| Deed Sale | Jul 10, 2026 · Amount on File |
| Prior Sale | Apr 29, 2019 · Amount on File |
| Deed Document Number | 202622042 |
| Deed Book / Page | 40192 / 248 |
| Prior Transfer Date | Apr 19, 2019 |
| Prior Transfer Doc | 032930-264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 10, 2026 |
| Property Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Document Number | 0000022042 |
| Book / Page | 40192 / 248 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202622042 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Date | Jul 10, 2026 |
|---|
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 1, 2033 |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 035487-107 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 35487/107 |
| Instrument | 16027 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037452-279 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 37452/279 |
| Instrument | 43291 |
| Name | ATHENS STREET CAPITAL |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 29, 2019 |
| Property Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Document Number | 32930-264 |
| Book / Page | 032930 / 000264 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 15741 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $684.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 24 HILROP DR BURLINGTON MA 01803, BURLINGTON, MA 01803 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 6, 2018 |
| Property Address | 289 CENTRAL ST, LOWELL, MA 01852-2202 |
| Document Number | 32132-88 |
| Book / Page | 032132 / 000088 |
| Instrument Date | Jun 6, 2018 |
| Instrument | 22997 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $592.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 289 CENTRAL ST LOWELL MA 018522202, LOWELL, MA 01852-2202 |
| Document Number | 32132-91 |
|---|---|
| Date | Jun 6, 2018 |
| Book Page | 032132/000091 |
| Instrument | 22998 |
| Name | STEVEN A SHANAHAN |
|---|---|
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 289 Central St was $4,783.
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 | $4,783.00 | $421,400 (+8.02%) Land $162,100 Building $259,300 | $588,877 (+27.28%) |
| 2025 | $390,100 (+5.49%) Land $151,500 Building $238,600 | $462,650 (+8.37%) | |
| 2024 | $4,404.00 (+5.28%) | $369,800 (+9.8%) Land $141,600 Building $228,200 | $426,930 |
| 2023 | $4,183.00 | $336,800 Land $123,100 Building $213,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 289 Central 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 | 3 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.
The area around 289 Central 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.
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 410 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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