38 Florida St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 38 Florida St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,166 sqft · built 1955
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$491,000 (Jan 2024)
Tax Bill	$5,364 (2026)
Deeds & Mortgages	Mar 2025 Mortgage Jan 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C07010`

Property Details

APN / Parcel Number

Primary APN	`C07010`
Alternative APNs	`LOWE M:251 B:2365 L:38` `M:000251 T:C07010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,166 sqft Living Area
Gross Area	1,956 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	C07010
Street Address	38 FLORIDA ST
City	LOWELL
State	MA
Zip	01852-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	2365
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3004
Census Tract	312502

Owner

38 Florida St is owned and occupied by two individuals who bought it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 FLORIDA ST, LOWELL, MA 01852-3918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 25, 2025	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Jan 12, 2024	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 5, 2018	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2024 · Amount on File
Deed Sale	Jan 12, 2024 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Book / Page	38278 / 225
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	38 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039142-1
Date	Mar 25, 2025
Book Page	39142/1
Instrument	8371

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Apr 1, 2032
Index	Other

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 12, 2024
Property Address	38 FLORIDA ST, LOWELL, MA 01852-3918
Document Number	038278-225
Book / Page	38278 / 225
Instrument Date	Jan 12, 2024
Instrument	966
Transaction Type	Transfer
Record Updated	Jan 26, 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	Tenants by the Entirety
Address	38 FLORIDA ST, LOWELL, MA 01852-3918

Mortgage

Document Number	0000000967
Date	Jan 12, 2024
Instrument	967

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	38 FLORIDA ST, LOWELL, MA 01852-3918
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34304-92
Date	Jun 30, 2020
Book Page	34304/92
Instrument	29074

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 5, 2018
Property Address	38 FLORIDA ST, LOWELL, MA 01852-3918
Document Number	31779-136
Book / Page	31779 / 136
Instrument	679
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.97
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	38 FLORIDA ST, LOWELL, MA 01852-3918

Mortgage

Document Number	317790138
Date	Jan 5, 2018
Instrument	31779/0138

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 38 Florida St was $5,364, up 2.9% 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	$5,364.00 (+2.94%)	$472,600 (+4.12%) Land $242,000 Building $230,600	$513,442 (+1.32%)
2025	$5,211.00 (+8.11%)	$453,900 (+12.16%) Land $226,200 Building $227,700	$506,730 (+10.89%)
2024	$4,820.00 (+5.86%)	$404,700 (+10.39%) Land $203,500 Building $201,200	$456,950
2023	$4,553.00	$366,600 Land $177,000 Building $189,600

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

Flood

FEMA maps place 38 Florida St 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.

Wildfire

The area around 38 Florida St 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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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