Middlesex County and Lowell City property record for 3 Cottage Pl, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,004 sqft · built 1900 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Apr 2022) |
| Tax Bill | $3,925 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jan 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M02540 |
| Primary APN | M02540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,004 sqft Living Area |
| Gross Area | 1,935 sqft |
| 1st Floor Area | 615 sqft |
| Basement Area | 594 sqft |
| Unfinished Basement | 594 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | M02540 |
|---|---|
| Street Address | 3 COTTAGE PL |
| City | LOWELL |
| State | MA |
| Zip | 01852-4403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 1520 |
| Legal Lot Number | 3 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 312200 |
Source: Middlesex County and Lowell City records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU |
| Jan 26, 2017 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Sep 8, 2017 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Oct 13, 2020 | Deed of Trust, Mortgage · VA Mortgage PRIME CHOICE FUNDING |
| Dec 30, 2020 | Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK |
| Dec 11, 2017 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2022 · Amount on Record |
| Deed Sale | Apr 22, 2022 · Amount on Record |
| Prior Sale | Jul 30, 1999 · Amount on Record |
| Deed Book / Page | 37001 / 124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 22, 2022 |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Document Number | 037001-124 |
| Book / Page | 37001 / 124 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 17377 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Document Number | 0000017378 |
|---|---|
| Date | Apr 22, 2022 |
| Instrument | 17378 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 30866-180 |
|---|---|
| Date | Jan 26, 2017 |
| Book Page | 30866/180 |
| Instrument | 3704 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31451-243 |
|---|---|
| Date | Sep 8, 2017 |
| Book Page | 31451/243 |
| Instrument | 39907 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34753-278 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 34753/278 |
| Instrument | 50631 |
| Name | PRIME CHOICE FUNDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35128-20 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 35128/20 |
| Instrument | 68660 |
| Name | THE FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 COTTAGE PL, LOWELL, MA 01852-4403 |
| Document Number | 31729-77 |
| Book / Page | 031729 / 000077 |
| Instrument Date | Dec 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Name | Verified Name |
|---|
| Document Number | 31729-77 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 031729/000077 |
| Instrument | 56350 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 14, 2047 |
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 |
|---|---|---|---|
| 2025 | $3,925.00 (+2.53%) | $341,900 (+6.38%) Land $129,100 Building $212,800 | $325,470 (+2.94%) |
| 2024 | $3,828.00 (+6.39%) | $321,400 (+10.94%) Land $120,700 Building $200,700 | $316,160 |
| 2023 | $3,598.00 | $289,700 Land $104,900 Building $184,800 |
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 · 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.
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 416 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 | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures