31 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 31 Smith St, Lowell, MA 01851

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on File
Tax Bill	$16,185 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D03230`

Property Details

APN / Parcel Number

Primary APN	`D03230`
Alternative APNs	`LOWE M:121 B:5400 L:31` `M:000121 T:D03230`

Interior

Total Rooms	8 Rooms
Units	6 Units

Exterior

Lot Area	6,970 sqft (0.16 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	D03230
Street Address	31 SMITH ST
City	LOWELL
State	MA
Zip	01851-1818
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	TMF
Legal Block	5400
Legal Lot Number	31
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1016
Census Tract	311200

Owner

31 Smith St, a residential property, is owned by a company that acquired it in April 2015.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	254 SALEM ST, MEDFORD, MA 02155-3311
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2025	Deed of Trust, Mortgage · Commercial Mortgage MIDDLESEX FSLA
Oct 30, 2019	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2015
Deed Sale	Apr 2, 2015
Prior Sale	Apr 4, 2011 · Amount on File
Deed Document Number	201512253
Deed Book / Page	28945 / 213
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	31 SMITH ST, LOWELL, MA 01851-1818
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039201-161
Date	Apr 23, 2025
Book Page	39201/161
Instrument	11677

Lender

Name	MIDDLESEX FSLA
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	31 SMITH ST, LOWELL, MA 01851-1818
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073550-347
Date	Oct 30, 2019
Book Page	73550/347
Instrument	167934

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 31 Smith St was $16,185, up 13% 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	$16,185.00 (+13.02%)	$1,426,000 (+14.31%) Land $148,700 Building $1,277,300	$496,743
2025	$14,321.00 (+1.12%)	$1,247,500 (+4.91%) Land $131,100 Building $1,116,400
2024	$14,162.00 (-0.32%)	$1,189,100 (+3.95%) Land $122,600 Building $1,066,500
2023	$14,207.00	$1,143,900 Land $106,500 Building $1,037,400

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

Flood

FEMA maps place 31 Smith St in Zone X, an area of minimal flood risk.

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

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

The area around 31 Smith St 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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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