3 by St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 3 by St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,257 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2019)
Tax Bill	$4,312 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P09850`

Property Details

APN / Parcel Number

Primary APN	`P09850`
Alternative APNs	`LOWE M:172 B:935 L:3` `M:000172 T:P09850`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,257 sqft Living Area
Gross Area	2,101 sqft
1st Floor Area	787 sqft
Basement Area	587 sqft
Unfinished Basement	587 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	P09850
Street Address	3 BY ST
City	LOWELL
State	MA
Zip	01850-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Subdivision	S N HARRIS
Legal Block	935
Legal Lot Number	3
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1008
Census Tract	310300

Owner

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	2 Individual Names on Record
Mailing Address	3 BY ST, LOWELL, MA 01850-1218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2019 · Amount on Record
Deed Sale	Sep 3, 2019 · Amount on Record
Prior Sale	Jul 2, 2012 · Amount on Record
Deed Document Number	201937449
Record Updated	Oct 29, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 3, 2019
Property Address	3 BY ST, LOWELL, MA 01850-1218
Document Number	33313-107
Book / Page	33313 / 107
Instrument Date	Sep 3, 2019
Instrument	37449
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BY ST, LOWELL, MA 01850-1218

Mortgage

Document Number	37450
Date	Sep 3, 2019
Instrument	37450

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,312.00 (+6.36%)	$379,900 (+7.59%) Land $111,700 Building $268,200	$433,700 (+8.46%)
2025	$4,054.00 (+0.6%)	$353,100 (+4.34%) Land $104,400 Building $248,700	$399,855 (+10.73%)
2024	$4,030.00 (+5.91%)	$338,400 (+10.44%) Land $103,800 Building $234,600	$361,095
2023	$3,805.00	$306,400 Land $90,200 Building $216,200

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

Flood

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

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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