32 Putnam Ave, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 32 Putnam Ave, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$395,900 (Apr 2022)
Tax Bill	$4,809 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M10150`

Property Details

APN / Parcel Number

Primary APN	`M10150`
Alternative APNs	`LOWE M:87 B:4790 L:32` `M:000087 T:M10150`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	2,861 sqft
1st Floor Area	780 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	M10150
Street Address	32 PUTNAM AVE
City	LOWELL
State	MA
Zip	01851-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	4790
Legal Lot Number	32
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	311300

Owner

32 Putnam Ave is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
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
Apr 26, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Apr 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
Aug 13, 2018	Deed of Trust, Mortgage THE WASHINGTON SAVINGS BANK FSB
Dec 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK
May 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on File
Deed Sale	Apr 26, 2022 · Amount on File
Prior Sale	Nov 19, 1965 · Amount on File
Deed Book / Page	37007 / 239
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	037007-239
Record Updated	Oct 29, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 26, 2022
Property Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
Document Number	037007-239
Book / Page	37007 / 239
Instrument Date	Apr 25, 2022
Instrument	17742
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Relationship	Joint Tenants with Right of Survivorship
Address	32 PUTNAM AVE, LOWELL, MA 01851-1707

Mortgage

Document Number	0000017743
Date	Apr 26, 2022
Instrument	17743

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32931-92
Date	Apr 29, 2019
Book Page	32931/92
Instrument	15775

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32320-101
Date	Aug 13, 2018
Book Page	32320/101
Instrument	34844

Lender

Name	THE WASHINGTON SAVINGS BANK FSB
Type	Bank

Agreement

Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33677-151
Date	Dec 20, 2019
Book Page	33677/151
Instrument	57404

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 4, 2018
Property Address	32 PUTNAM AVE, LOWELL, MA 01851-1707
Document Number	32052-174
Book / Page	032052 / 000174
Instrument Date	May 4, 2018
Instrument	87
Transaction Type	Transfer
Record Updated	May 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 PUTNAM AVE LOWELL MA 018511707, LOWELL, MA 01851-1707

Tax Assessment & Valuation

The 2026 property tax bill for 32 Putnam Ave was $4,809, up 6.3% 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	$4,809.00 (+6.35%)	$423,700 (+7.57%) Land $163,700 Building $260,000	$478,838 (+4.99%)
2025	$4,522.00 (+2.26%)	$393,900 (+6.09%) Land $153,000 Building $240,900	$456,095 (+9.61%)
2024	$4,422.00 (+6.45%)	$371,300 (+11%) Land $144,300 Building $227,000	$416,100
2023	$4,154.00	$334,500 Land $125,500 Building $209,000

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

Flood

FEMA maps place 32 Putnam Ave 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 32 Putnam Ave 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 804 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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