320 Nesmith St, #1, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 320 Nesmith St, #1, Lowell, MA 01852

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 473 sqft · built 1983
Lot Size	0.585 acres (25,510 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Sep 2023)
Tax Bill	$1,370 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S19755`

Property Details

APN / Parcel Number

Primary APN	`S19755`
Alternative APNs	`LOWE M:220 B:4280 L:320 U:1` `M:220 B:4280 L:312 U:1`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Units	12 Units
Stories	2 Stories
Building Area	473 sqft Living Area
1st Floor Area	473 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Other
Lot Area	25,510 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	S19755
Street Address	320 NESMITH ST, 1
City	LOWELL
State	MA
Zip	01852-3769
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	TMF
Legal Block	4280
Legal Lot Number	320
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1003
Census Tract	312502

Owner

320 Nesmith St, #1 is owned by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	318 NESMITH ST, 1, LOWELL, MA 01852-3742
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2023 · Amount on File
Deed Sale	Sep 18, 2023 · Amount on File
Deed Document Number	202327549
Deed Book / Page	38075 / 241
Prior Transfer Date	Sep 15, 2023
Prior Transfer Doc	038075-241
Record Updated	Oct 29, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 18, 2023
Property Address	320 NESMITH ST # 1, 1, LOWELL, MA 01852-3769
Document Number	038075-241
Book / Page	38075 / 241
Instrument Date	Sep 15, 2023
Instrument	27549
Transaction Type	Transfer
Record Updated	Oct 9, 2023

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
Address	318 NESMITH ST APT 1, 1, LOWELL, MA 01852-3742

Mortgage

Document Number	0000027550
Date	Sep 18, 2023
Instrument	27550

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 1, 2030
Max Rate At Change	2.88%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 320 Nesmith St, #1 was $1,370, up 5.1% 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	$1,370.00 (+5.14%)	$120,700 (+6.34%) Building $120,700	$188,454 (+9.6%)
2025	$1,303.00 (-5.92%)	$113,500 (-2.41%) Building $113,500	$171,950 (+15.21%)
2024	$1,385.00 (+27.18%)	$116,300 (+32.61%) Building $116,300	$149,245
2023	$1,089.00	$87,700 Building $87,700

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

Flood

FEMA maps place 320 Nesmith St, #1 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 Claims	2 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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

No wildfire likelihood is modeled around 320 Nesmith St, #1, 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 wildfire likelihood modeled here

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 643 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
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880