38 Fred St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 38 Fred St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,006 sqft · built 1860
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Oct 2021)
Tax Bill	$5,987 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`G05380`

Property Details

APN / Parcel Number

Primary APN	`G05380`
Alternative APNs	`LOWE M:132 B:2450 L:38` `M:000132 T:G05380`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	1,200 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	G05380
Street Address	38 FRED ST
City	LOWELL
State	MA
Zip	01850-1106
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TSF
Legal Block	2450
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5011
Census Tract	310300

Owner

38 Fred St, a duplex, is owned by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	30 RHODORA ST, LOWELL, MA 01851-3514
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on File
Deed Sale	Oct 19, 2021 · Amount on File
Prior Sale	Sep 19, 2013 · Amount on File
Deed Document Number	202161213
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 19, 2021
Property Address	38 FRED ST, LOWELL, MA 01850-1106
Document Number	36400-245
Book / Page	36400 / 245
Instrument Date	Oct 19, 2021
Instrument	61213
Transaction Type	Transfer
Record Updated	Nov 5, 2021

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	30 RHONDA ST, LOWELL, MA

Mortgage

Document Number	61214
Date	Oct 19, 2021
Instrument	61214

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 38 Fred St was $5,987, up 6.2% 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	$5,987.00 (+6.23%)	$527,500 (+7.46%) Land $154,100 Building $373,400	$553,511
2025	$5,636.00 (+8.74%)	$490,900 (+12.8%) Land $136,500 Building $354,400
2024	$5,183.00 (+9.74%)	$435,200 (+14.44%) Land $121,900 Building $313,300
2023	$4,723.00	$380,300 Land $98,600 Building $281,700

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

Flood

FEMA maps place 38 Fred St in Zone X, an area of minimal flood risk.

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

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 Fred 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 633 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
AT&T Fixed Wireless	100 / 20