Middlesex County and Lowell City property record for 331 Totman St, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,422 sqft · built 1987 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,000 (May 2022) |
| Tax Bill | $6,009 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | N03540 |
| Primary APN | N03540 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,422 sqft Living Area |
| Gross Area | 2,142 sqft |
| 1st Floor Area | 1,008 sqft |
| Basement Area | 690 sqft |
| Unfinished Basement | 690 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | N03540 |
|---|---|
| Street Address | 331 TOTMAN ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-1200 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 5740 |
| Legal Lot Number | 331 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 310601 |
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GUILD MORTGAGE CO |
| May 13, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GUILD MORTGAGE CO |
| May 12, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO |
| Dec 3, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 12, 2022 · Amount on Record |
| Deed Sale | May 12, 2022 · Amount on Record |
| Prior Sale | Dec 3, 2019 · Amount on Record |
| Deed Book / Page | 37058 / 186 |
| Prior Transfer Date | May 5, 2022 |
| Prior Transfer Doc | 037058-186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0037142-80 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 37142/80 |
| Instrument | 25141 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00037060-6 |
|---|---|
| Date | May 13, 2022 |
| Book Page | 37060/6 |
| Instrument | 20608 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 12, 2022 |
| Property Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Document Number | 037058-186 |
| Book / Page | 37058 / 186 |
| Instrument Date | May 5, 2022 |
| Instrument | 20536 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Document Number | 0000025141 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 25141 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 362 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 3, 2019 |
| Property Address | 331 TOTMAN ST, LOWELL, MA 01854-1200 |
| Document Number | 33621-291 |
| Book / Page | 033621 / 000291 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 54159 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,504.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 331 TOTMAN ST LOWELL MA 018541200, LOWELL, MA 01854-1200 |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,009.00 (+8.56%) | $529,400 (+9.81%) Land $192,300 Building $337,100 | $592,737 (+0.78%) |
| 2025 | $5,535.00 (-0.05%) | $482,100 (+3.68%) Land $179,800 Building $302,300 | $588,145 |
| 2024 | $5,538.00 (+1.91%) | $465,000 (+6.29%) Land $168,000 Building $297,000 | |
| 2023 | $5,434.00 | $437,500 Land $146,100 Building $291,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 2 in force |
| Nearby Flood Claims | 4 (1981–2008) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Feb 2008 · rainfall accumulation |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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