35 Emerson Ave, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 35 Emerson Ave, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,751 sqft · built 1960
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (May 2021)
Tax Bill	$5,616 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S08450`

Property Details

APN / Parcel Number

Primary APN	`S08450`
Alternative APNs	`LOWE M:191 B:2120 L:35` `M:000191 T:S08450`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,751 sqft Living Area
Gross Area	2,872 sqft
1st Floor Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	S08450
Street Address	35 EMERSON AVE
City	LOWELL
State	MA
Zip	01850-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Subdivision	EMERSON PARK
Legal Block	2120
Legal Lot Number	35
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5000
Census Tract	310200

Owner

35 Emerson Ave is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 EMERSON AVE, LOWELL, MA 01850-1313
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 24, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jun 5, 2019	Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2021 · Amount on File
Deed Sale	May 24, 2021 · Amount on File
Prior Sale	Aug 31, 2012 · Amount on File
Deed Document Number	202130690
Record Updated	Oct 29, 2026

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DRACUT MA
Recording Date	May 24, 2021
Property Address	35 EMERSON AVE, LOWELL, MA 01850-1313
Document Number	035788-164
Book / Page	35788 / 164
Instrument Date	May 24, 2021
Instrument	30690
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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
Relationship	Joint Tenants
Address	35 EMERSON AVE, DRACUT, MA 01826-5019

Mortgage

Document Number	0000030691
Date	May 24, 2021
Instrument	30691

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	35 EMERSON AVE, LOWELL, MA 01850-1313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33031-92
Date	Jun 5, 2019
Book Page	33031/92
Instrument	21455

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 35 Emerson Ave was $5,616, up 1.9% 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	$5,616.00 (+1.92%)	$494,800 (+3.08%) Land $163,500 Building $331,300	$538,378 (+27.38%)
2025	$5,510.00 (+6.21%)	$480,000 (+10.19%) Land $152,800 Building $327,200	$422,655 (+4.02%)
2024	$5,188.00 (+4.34%)	$435,600 (+8.82%) Land $142,800 Building $292,800	$406,315
2023	$4,972.00	$400,300 Land $124,100 Building $276,200

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

Flood

FEMA maps place 35 Emerson Ave 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

The area around 35 Emerson Ave 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 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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