38 Cresta Dr, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 38 Cresta Dr, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 4,399 sqft · built 1993
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,501 (Apr 2002)
Tax Bill	$9,971 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:10 B:1568 L:38`

Property Details

APN / Parcel Number

Primary APN	`M:10 B:1568 L:38`
Alternative APNs	`LOWE M:4 B:1568 L:38` `T14030`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	1 Story
Building Area	4,399 sqft Living Area
Gross Area	6,304 sqft
1st Floor Area	1,605 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T14030
Street Address	38 CRESTA DR
City	LOWELL
State	MA
Zip	01854-1085
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	MERRIMACK ESTATES 02
Legal Block	1568
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1000
Census Tract	310601

Owner

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	38 CRESTA DR, LOWELL, MA 01854-1085
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Feb 25, 2026	Quit Claim Deed, Transfer AVIDIA BANK
Feb 12, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2002 · Amount on Record
Deed Sale	Apr 18, 2002 · Amount on Record
Deed Book / Page	13004 / 114
Last Transfer Date	Feb 20, 2026
Transfer Doc	039880-225
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	Apr 8, 2026
Property Address	38 CRESTA DR, LOWELL, MA 01854-1085
Document Number	0039976-64
Book / Page	39976 / 64
Instrument Date	Apr 3, 2026
Instrument	202610346
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CRESTA DR, LOWELL, MA 01854-1085

Mortgage

Document Number	0000010346,
Date	Apr 8, 2026
Book Page	39976/64
Instrument	202610346

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Max Rate	-1%

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 25, 2026
Property Address	38 CRESTA DR, LOWELL, MA 01854-1085
Document Number	039880-225
Book / Page	39880 / 225
Instrument Date	Feb 20, 2026
Instrument	5411
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38 CRESTA DR, LOWELL, MA 01854-1085

Mortgage

Document Number	0000005412
Date	Feb 25, 2026
Instrument	5412

Lender

Name	AVIDIA BANK

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Mar 1, 2031
Index	3-Year CMT

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 12, 2019
Property Address	38 CRESTA DR, LOWELL, MA 01854-1085
Document Number	32763-96
Book / Page	032763 / 000096
Instrument Date	Feb 11, 2019
Instrument	5394
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CRESTA DR LOWELL MA 018541085, LOWELL, MA 01854-1085

Tax Assessment & Valuation

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	$9,971.00 (+0.33%)	$878,500 (+1.48%) Land $195,800 Building $682,700	$834,127 (+8.87%)
2025	$9,938.00 (-1.12%)	$865,700 (+2.58%) Land $183,000 Building $682,700	$766,175 (+7.33%)
2024	$10,051.00 (+3.46%)	$843,900 (+7.89%) Land $171,100 Building $672,800	$713,830
2023	$9,715.00	$782,200 Land $148,700 Building $633,500

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1979–2006)
Claims Outside the SFHA	2 of 6
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

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.

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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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