3 Florida St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 3 Florida St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1955
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Jun 2013)
Tax Bill	$5,006 (2025)
Deeds & Mortgages	Mar 2021 Refinance Jun 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H00020`

Property Details

APN / Parcel Number

Primary APN	`H00020`
Alternative APNs	`LOWE M:250 B:2365 L:3` `M:000250 T:H00020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,824 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	H00020
Street Address	3 FLORIDA ST
City	LOWELL
State	MA
Zip	01852-3917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	2365
Legal Lot Number	3
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3005
Census Tract	312502

Owner

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 FLORIDA ST, LOWELL, MA 01852-3917
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Jun 13, 2025	Quit Claim Deed, Transfer · Conventional Mortgage JEANNE D ARC CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2013 · Amount on Record
Deed Sale	Jun 24, 2013 · Amount on Record
Prior Sale	Jun 24, 2013 · Amount on Record
Deed Book / Page	27414 / 81
Last Transfer Date	Jun 9, 2025
Transfer Doc	0039313-60
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	3 FLORIDA ST, LOWELL, MA 01852-3917
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0035547-73
Date	Mar 30, 2021
Book Page	35547/73
Instrument	18790

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 13, 2025
Property Address	3 FLORIDA ST, LOWELL, MA 01852-3917
Document Number	0039313-60
Book / Page	39313 / 60
Instrument Date	Jun 9, 2025
Instrument	17830
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 FLORIDA ST, LOWELL, MA 01852-3917

Mortgage

Document Number	0000017831
Date	Jun 13, 2025
Instrument	17831

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Type Change Date	Jul 1, 2032
Index	1-Year CMT

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
2025	$5,006.00 (+7.47%)	$436,100 (+11.51%) Land $229,700 Building $206,400	$405,650 (-3.22%)
2024	$4,658.00 (+6.1%)	$391,100 (+10.64%) Land $206,700 Building $184,400	$419,140
2023	$4,390.00	$353,500 Land $179,700 Building $173,800

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 · 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
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · rainfall accumulation

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

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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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