Middlesex County and Lowell City property record for 32 Dowling Dr, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,826 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Apr 2009) |
| Tax Bill | $8,745 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage Oct 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | D13895 |
| Primary APN | D13895 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,826 sqft Living Area |
| Gross Area | 6,854 sqft |
| 1st Floor Area | 2,072 sqft |
| Attic | Attic |
| Attic Area | 1,260 sqft |
| Basement Area | 1,410 sqft |
| Unfinished Basement | 1,410 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | D13895 |
|---|---|
| Street Address | 32 DOWLING DR |
| City | LOWELL |
| State | MA |
| Zip | 01854-1083 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Subdivision | MERRIMAC ESTATES |
| Legal Block | 1853 |
| Legal Lot Number | 32 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 310601 |
Source: Middlesex County and Lowell City assessment roll, APN D13895, as of April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 DOWLING DR, LOWELL, MA 01854-1083 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2018 | Deed of Trust, Mortgage DIGITAL FCU |
| Oct 05, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 28, 2009 · Amount on Record |
| Deed Sale | Apr 28, 2009 · Amount on Record |
| Prior Sale | Jan 07, 2005 · Amount on Record |
| Transfer Doc | 29426-16 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 32 DOWLING DR, LOWELL, MA 01854-1083 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32017-161 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 32017/161 |
| Instrument | 15756 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 32 DOWLING DR, LOWELL, MA 01854-1083 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34719-283 |
|---|---|
| Date | Oct 05, 2020 |
| Book Page | 34719/283 |
| Instrument | 48952 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2035 |
Source: Middlesex County and Lowell City assessment roll as of April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,745.00 (-2.12%) | $761,800 (+1.56%) Land $178,800 Building $583,000 | $788,880 (-15.81%) |
| 2024 | $8,934.00 (+5.2%) | $750,100 (+9.71%) Land $167,100 Building $583,000 | $936,985 |
| 2023 | $8,492.00 | $683,700 Land $145,300 Building $538,400 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173106011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 6 (1979–2006) |
| Claims Outside the SFHA | 2 of 6 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 151 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system MA3160000, 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 |
| 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.
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