31 Saint James St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 31 Saint James St, Lowell, MA 01852

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 3,738 sqft · built 1910
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$389,900 (Jul 2006)
Tax Bill	$8,196 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M16730`

Property Details

APN / Parcel Number

Primary APN	`M16730`
Alternative APNs	`LOWE M:206 B:5460 L:31` `M:000206 T:M16730`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,738 sqft Living Area
Gross Area	5,172 sqft
1st Floor Area	1,246 sqft
Basement Area	1,246 sqft
Unfinished Basement	1,246 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Other
Lot Area	5,227 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	M16730
Street Address	31 SAINT JAMES ST
City	LOWELL
State	MA
Zip	01852-5010
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TTF
Legal Block	5460
Legal Lot Number	31
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2007
Census Tract	312100

Owner

Source: Middlesex County and Lowell City records · APN M16730

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	9 PRINCE AVE, LOWELL, MA 01852-4617
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 05, 2006 · Amount on Record
Deed Sale	Jul 05, 2006 · Amount on Record
Deed Document Number	200637365
Deed Book / Page	20272 / 176
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	31 SAINT JAMES ST, LOWELL, MA 01852-5010
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039756-51
Date	Dec 22, 2025
Book Page	39756/51
Instrument	41477

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	277 Months
Due	Jan 01, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$8,196.00 (+6.57%)	$713,900 (+10.55%) Land $124,400 Building $589,500
2024	$7,691.00 (+1.89%)	$645,800 (+6.27%) Land $112,300 Building $533,500
2023	$7,548.00	$607,700 Land $97,600 Building $510,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T.

Based on FCC filings for 440 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LOWELL REGIONAL WATER UTILITY serves 120,418 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.