Middlesex County and Lowell City property record for 38 Chapel St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,537 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $850,000 (Aug 2025) |
| Tax Bill | $5,824 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M08760 |
| Primary APN | M08760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,537 sqft Living Area |
| Gross Area | 3,435 sqft |
| 1st Floor Area | 1,105 sqft |
| Basement Area | 935 sqft |
| Unfinished Basement | 935 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | M08760 |
|---|---|
| Street Address | 38 CHAPEL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2641 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | UMF |
| Legal Block | 1150 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 311900 |
Source: Middlesex County and Lowell City records, as of May 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 36 CHAPEL ST, 38, LOWELL, MA 01852-2641 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2025 · Amount on Record |
| Deed Sale | Aug 4, 2025 · Amount on Record |
| Prior Sale | May 14, 2009 |
| Prior Transfer Date | Aug 2, 2025 |
| Prior Transfer Doc | 0000327245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 4, 2025 |
| Property Address | 38 CHAPEL ST, LOWELL, MA 01852-2641 |
| Document Number | 0000327245 |
| Instrument Date | Aug 2, 2025 |
| Instrument | 327245 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36 CHAPEL ST # 38, 38, LOWELL, MA 01852-2641 |
| Document Number | 0000327246 |
|---|---|
| Date | Aug 4, 2025 |
| Instrument | 327246 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2055 |
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 |
|---|---|---|
| 2025 | $5,824.00 (+8.51%) | $507,300 (+12.58%) Land $105,300 Building $402,000 |
| 2024 | $5,367.00 (+7.38%) | $450,600 (+11.98%) Land $95,000 Building $355,600 |
| 2023 | $4,998.00 | $402,400 Land $82,600 Building $319,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 410 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 | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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