305 Pine St, Apt 18, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 305 Pine St, Apt 18, Lowell, MA 01851

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 762 sqft · built 1982
Lot Size	0.534 acres (23,289 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Aug 2025)
Tax Bill	$3,095 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M22445`

Property Details

APN / Parcel Number

Primary APN	`M22445`
Alternative APNs	`LOWE M:89 B:4655 L:305 U:18` `M:000089 T:M22445`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	18 Units
Stories	3 Stories
Building Area	762 sqft Living Area
Gross Area	810 sqft
1st Floor Area	762 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,289 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M22445
Street Address	305 PINE ST, 18
City	LOWELL
State	MA
Zip	01851-3159
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	TMF
Legal Block	4655
Legal Lot Number	305
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3001
Census Tract	311500

Owner

305 Pine St, Apt 18 is owned and occupied by an individual who bought it in August 2025.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	305 PINE ST, 18, LOWELL, MA 01851-3159
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Condominium Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
May 24, 2019	Condominium Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on File
Deed Sale	Aug 6, 2025 · Amount on File
Prior Sale	May 24, 2019 · Amount on File
Deed Book / Page	39438 / 120
Record Updated	Oct 29, 2026

August 2025: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 6, 2025
Property Address	305 PINE ST APT 18, 18, LOWELL, MA 01851-3159
Document Number	039438-120
Book / Page	39438 / 120
Instrument Date	Aug 6, 2025
Instrument	202502024604
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount 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	305 PINE ST APT 18, 18, LOWELL, MA 01851-3159

Mortgage

Document Number	202500024605
Date	Aug 6, 2025
Instrument	202500024605

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Mortgage

Document Number	039438-145
Date	Aug 6, 2025
Book Page	39438/145
Instrument	24606

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2040

May 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LOWELL MA
Recording Date	May 24, 2019
Property Address	305 PINE ST APT 18, 18, LOWELL, MA 01851-3159
Document Number	33003-168
Book / Page	033003 / 000168
Instrument Date	May 24, 2019
Instrument	874
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WEDGE ST LOWELL MA 018513610, LOWELL, MA 01851-3610

Mortgage

Document Number	33003-172
Date	May 24, 2019
Book Page	033003/000172
Instrument	875

Lender

Name	PRIME LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 305 Pine St, Apt 18 was $3,095, up 21.4% from the year before.

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	$3,095.00 (+21.42%)	$272,700 (+22.84%) Building $272,700	$282,676 (-2.92%)
2025	$2,549.00 (+14.2%)	$222,000 (+18.46%) Building $222,000	$291,175 (+29.38%)
2024	$2,232.00 (+1%)	$187,400 (+14.69%) Building $187,400	$225,055
2023	$2,029.00	$163,400 Building $163,400

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

Flood

FEMA maps place 305 Pine St, Apt 18 in Zone X, an area of minimal flood risk.

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

The area around 305 Pine St, Apt 18 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.

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 809 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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