Middlesex County and Lowell City property record for 321 Central St, Lowell, MA 01852 · Last verified June 2026
| Property Type | Office Building |
|---|---|
| Details | 12,062 sqft · built 1950 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on File |
| Last Sale | $825,000 (Dec 2024) |
| Tax Bill | $14,957 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C19190 |
| Primary APN | C19190 |
|---|---|
| Alternative APNs |
|
| Units | 14 Units |
|---|---|
| Stories | 4 Stories |
| Building Area | 12,062 sqft Total Area |
| Gross Area | 15,648 sqft |
| 1st Floor Area | 4,552 sqft |
| Basement Area | 2,022 sqft |
| Unfinished Basement | 2,022 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | C19190 |
|---|---|
| Street Address | 321 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2690 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Block | 1125 |
| Legal Lot Number | 321 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 310101 |
Source: Middlesex County and Lowell City records · APN C19190
Assessment roll updated April 14, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3 SOUHT CENTRAL ST, HAVERHILL, MA |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust · Commercial Mortgage CITIZENS BANK |
| Nov 03, 2017 | Deed of Trust, Mortgage THE WASHINGTON SAVINGS BANK FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2024 · Amount on Record |
| Deed Sale | Dec 05, 2024 · Amount on Record |
| Prior Sale | Jul 20, 2004 · Amount on Record |
| Deed Document Number | 202438424 |
| Deed Book / Page | 38944 / 47 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 28, 2026 |
| Property Address | 321 CENTRAL ST, LOWELL, MA 01852-2690 |
| Document Number | 085523-483 |
| Book / Page | 85523 / 483 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202647441 |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000047441, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 85523/483 |
| Instrument | 202647441 |
| Name | CITIZENS BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 321 CENTRAL ST, LOWELL, MA 01852-2690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31616-136 |
|---|---|
| Date | Nov 03, 2017 |
| Book Page | 31616/136 |
| Instrument | 49551 |
| Name | THE WASHINGTON SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $14,957.00 (-1.94%) | $668,600 (+2%) Land $178,400 Building $490,200 |
| 2024 | $15,253.00 (-0.79%) | $655,500 (+3.87%) Land $169,900 Building $485,600 |
| 2023 | $15,374.00 | $631,100 Land $154,500 Building $476,600 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173101011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · Published October 2026 · based on 410 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 2,000 / 2,000 |
| Verizon | Fiber | 980 / 880 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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