31 Adam Ter, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 31 Adam Ter, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,490 sqft · built 1930
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Jun 1999)
Tax Bill	$9,221 (2026)
Deeds & Mortgages	Feb 2021 Refinance Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`B14890`

Property Details

APN / Parcel Number

Primary APN	`B14890`
Alternative APNs	`LOWE M:248 B:35 L:31` `M:000248 T:B14890`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,490 sqft Living Area
Gross Area	5,085 sqft
1st Floor Area	1,756 sqft
Basement Area	999 sqft
Unfinished Basement	999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 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	B14890
Street Address	31 ADAM TER
City	LOWELL
State	MA
Zip	01852-3201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	35
Legal Lot Number	31
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2004
Census Tract	312501

Owner

31 Adam Ter is owned and occupied by two individuals who bought it in June 1999.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 ADAM TER, LOWELL, MA 01852-3201
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Aug 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 1999 · Amount on File
Deed Sale	Jun 15, 1999 · Amount on File
Prior Sale	May 1, 1990 · Amount on File
Transfer Doc	25746-66
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	31 ADAM TER, LOWELL, MA 01852-3201
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35350-105
Date	Feb 18, 2021
Book Page	35350/105
Instrument	9909

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	31 ADAM TER, LOWELL, MA 01852-3201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34524-113
Date	Aug 24, 2020
Book Page	34524/113
Instrument	39612

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 31 Adam Ter was $9,221, up 7.9% 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	$9,221.00 (+7.86%)	$812,400 (+9.09%) Land $263,100 Building $549,300	$783,176 (-21.7%)
2025	$8,549.00 (-1.58%)	$744,700 (+2.11%) Land $245,900 Building $498,800	$1,000,255 (+2.87%)
2024	$8,686.00 (+5.73%)	$729,300 (+10.27%) Land $229,900 Building $499,400	$972,325
2023	$8,215.00	$661,400 Land $199,900 Building $461,500

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

Flood

FEMA maps place 31 Adam Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 Claims	2 (1978–1980)
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.

Wildfire

Wildfire risk around 31 Adam Ter is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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