Middlesex County and Lowell City property record for 3 Penn Ave, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 962 sqft · built 1945 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Jun 2025) |
| Tax Bill | $3,990 (2026) |
| Deeds & Mortgages | Jun 2025 Sale Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | H01826 |
| Primary APN | H01826 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 962 sqft Living Area |
| Gross Area | 1,717 sqft |
| 1st Floor Area | 588 sqft |
| Basement Area | 588 sqft |
| Unfinished Basement | 588 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,307 sqft (0.03 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | H01826 |
|---|---|
| Street Address | 3 PENN AVE |
| City | LOWELL |
| State | MA |
| Zip | 01852-4509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 4580 |
| Legal Lot Number | 3 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 312200 |
3 Penn Ave is owned and occupied by an individual who bought it in June 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 PENN AVE, LOWELL, MA 01852-4509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Jun 30, 2025 | Quit Claim Deed, Transfer |
| Sep 25, 2017 | Deed of Trust, Mortgage SANTANDER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2025 · Amount on File |
| Deed Sale | Jun 30, 2025 · Amount on File |
| Prior Sale | Jun 8, 2001 · Amount on File |
| Deed Book / Page | 39354 / 121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 30, 2025 |
| Property Address | 3 PENN AVE, LOWELL, MA 01852-4509 |
| Document Number | 039354-121 |
| Book / Page | 39354 / 121 |
| Instrument Date | Jun 30, 2025 |
| Instrument | 202500020097 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 PENN AVE, LOWELL, MA 01852-4509 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 3 PENN AVE, LOWELL, MA 01852-4509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31496-74 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 31496/74 |
| Instrument | 42548 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2047 |
The 2026 property tax bill for 3 Penn Ave was $3,990, up 7.5% from the year before.
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 | $3,990.00 (+7.46%) | $351,500 (+8.69%) Land $120,500 Building $231,000 | $382,316 (+1.91%) |
| 2025 | $3,713.00 (+2.51%) | $323,400 (+6.35%) Land $109,400 Building $214,000 | $375,155 (+22.49%) |
| 2024 | $3,622.00 (+6.25%) | $304,100 (+10.78%) Land $102,300 Building $201,800 | $306,280 |
| 2023 | $3,409.00 | $274,500 Land $88,900 Building $185,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Penn Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.
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 | 1 (1980) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1980 · 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.
The area around 3 Penn Ave 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 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 |
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