32 Willard St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 32 Willard St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,528 sqft · built 1930
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Dec 2016)
Tax Bill	$5,155 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jul 2024 Refinance
Flood Zone	Zone X (minimal risk)
APN	`F01010`

Property Details

APN / Parcel Number

Primary APN	`F01010`
Alternative APNs	`LOWE M:172 B:6390 L:32` `M:000172 T:F01010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,528 sqft Living Area
Gross Area	2,730 sqft
1st Floor Area	904 sqft
Basement Area	871 sqft
Unfinished Basement	871 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	3,485 sqft (0.08 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	F01010
Street Address	32 WILLARD ST
City	LOWELL
State	MA
Zip	01850-1325
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TSF
Legal Block	6390
Legal Lot Number	32
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5000
Census Tract	310200

Owner

32 Willard St, a duplex, is owned by an individual who bought it in December 2016.

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	Individual Name on File
Mailing Address	30 WILLARD ST, 32, LOWELL, MA 01850-1325
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jul 22, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN HERITAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2016 · Amount on File
Deed Sale	Dec 20, 2016 · Amount on File
Prior Sale	Apr 13, 2007 · Amount on File
Deed Book / Page	30771 / 46
Transfer Doc	0030771-46
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 WILLARD ST, LOWELL, MA 01850-1325
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036757-53
Date	Jan 26, 2022
Book Page	36757/53
Instrument	3998

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	32 WILLARD ST, LOWELL, MA 01850-1325
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038630-132
Date	Jul 22, 2024
Book Page	38630/132
Instrument	21307

Lender

Name	AMERICAN HERITAGE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Tax Assessment & Valuation

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	$5,155.00 (+5.38%)	$454,200 (+6.59%) Land $130,100 Building $324,100	$532,166
2025	$4,892.00 (+7.19%)	$426,100 (+11.2%) Land $121,600 Building $304,500
2024	$4,564.00 (+7.62%)	$383,200 (+12.21%) Land $113,600 Building $269,600
2023	$4,241.00	$341,500 Land $98,800 Building $242,700

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

Flood

FEMA maps place 32 Willard St 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

Wildfire risk around 32 Willard St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 484 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

May also be available: T-Mobile.

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