32 W 3rd St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 32 W 3rd St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 2,406 sqft · built 1930
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Mar 2001)
Tax Bill	$5,974 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2021 Refinance + 2 more
Flood Zone	Zone X (moderate risk)
APN	`S07310`

Property Details

APN / Parcel Number

Primary APN	`S07310`
Alternative APNs	`LOWE M:176 B:6050 L:32` `M:000176 T:S07310`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,406 sqft Living Area
Gross Area	3,663 sqft
1st Floor Area	1,039 sqft
Basement Area	1,039 sqft
Unfinished Basement	1,039 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	S07310
Street Address	32 W 3RD ST
City	LOWELL
State	MA
Zip	01850-2455
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	USF
Legal Block	6050
Legal Lot Number	32
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1011
Census Tract	310400

Owner

32 W 3rd St, a duplex, is owned and occupied by an individual who acquired it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	32 W 3RD ST, LOWELL, MA 01850-2455
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
May 8, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Nov 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 21, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2001 · Amount on File
Deed Sale	Mar 2, 2001 · Amount on File
Prior Sale	Jul 9, 1998 · Amount on File
Deed Book / Page	11410 / 222
Last Transfer Date	Sep 17, 2021
Transfer Doc	36278-227
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	May 8, 2026
Property Address	32 W 3RD ST, LOWELL, MA 01850-2455
Document Number	0000014034
Book / Page	40043 / 110
Instrument Date	May 1, 2026
Instrument	202614034
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 W 3RD ST, LOWELL, MA 01850-2455

Mortgage

Document Number	040043-110,
Date	May 8, 2026
Book Page	40043/110
Instrument	202614034

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 W 3RD ST, LOWELL, MA 01850-2455
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36456-134
Date	Nov 1, 2021
Book Page	36456/134
Instrument	63881

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 21, 2021
Property Address	32 W 3RD ST, LOWELL, MA 01850-2455
Document Number	36278-227
Book / Page	36278 / 227
Instrument Date	Sep 17, 2021
Instrument	55133
Transaction Type	Transfer
Record Updated	Oct 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 W 3RD ST, LOWELL, MA 01850-2455
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33946-87
Date	Mar 24, 2020
Book Page	33946/87
Instrument	12589

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 32 W 3rd St was $5,974, up 4.5% 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	$5,974.00 (+4.51%)	$526,300 (+5.7%) Land $123,500 Building $402,800	$562,931
2025	$5,716.00 (+9.13%)	$497,900 (+13.21%) Land $115,500 Building $382,400
2024	$5,238.00 (+7.42%)	$439,800 (+12.02%) Land $101,500 Building $338,300
2023	$4,876.00	$392,600 Land $88,300 Building $304,300

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

Flood

FEMA maps place 32 W 3rd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 W 3rd 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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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