Middlesex County and Lowell City property record for 38 Douglas Ter, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,596 sqft · built 1955 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $164,000 (Oct 2000) |
| Tax Bill | $6,422 (2026) |
| Deeds & Mortgages | Sep 2019 Mortgage Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | D09220 |
| Primary APN | D09220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| Gross Area | 2,847 sqft |
| 1st Floor Area | 912 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 312 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | D09220 |
|---|---|
| Street Address | 38 DOUGLAS TER |
| City | LOWELL |
| State | MA |
| Zip | 01852-4327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Subdivision | VAN GREENBY REALTY TRUST |
| Legal Block | 1845 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 312502 |
38 Douglas Ter is owned and occupied by two individuals who bought it in October 2000.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 DOUGLAS TER, LOWELL, MA 01852-4327 |
| 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.
| Date | Document |
|---|---|
| Sep 26, 2019 | Deed of Trust, Mortgage · Balloon Mortgage ENTERPRISE BANK & TRUST CO |
| Nov 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2000 · Amount on File |
| Deed Sale | Oct 2, 2000 · Amount on File |
| Prior Sale | Sep 15, 1988 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 DOUGLAS TER, LOWELL, MA 01852-4327 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33387-257 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 33387/257 |
| Instrument | 41554 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 DOUGLAS TER, LOWELL, MA 01852-4327 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34890-255 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 34890/255 |
| Instrument | 57289 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
The 2026 property tax bill for 38 Douglas Ter was $6,422, up 4.4% from the year before.
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 | $6,422.00 (+4.37%) | $565,800 (+5.56%) Land $263,200 Building $302,600 | $567,644 (-1.82%) |
| 2025 | $6,153.00 (+6.75%) | $536,000 (+10.74%) Land $246,000 Building $290,000 | $578,170 (+24.87%) |
| 2024 | $5,764.00 (+3.17%) | $484,000 (+7.6%) Land $221,400 Building $262,600 | $463,030 |
| 2023 | $5,587.00 | $449,800 Land $192,500 Building $257,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Douglas Ter in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | Jan 1979 · 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.
The area around 38 Douglas Ter 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.
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 489 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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