Middlesex County and Lowell City property record for 38 Harvard St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,212 sqft · built 1900 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $102,000 (Nov 1993) |
| Tax Bill | $6,221 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | S03400 |
| Primary APN | S03400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,212 sqft Living Area |
| Gross Area | 4,243 sqft |
| 1st Floor Area | 944 sqft |
| Attic | Attic |
| Attic Area | 851 sqft |
| Basement Area | 944 sqft |
| Unfinished Basement | 944 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | S03400 |
|---|---|
| Street Address | 38 HARVARD ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 2895 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 311300 |
38 Harvard St is owned and occupied by an individual who bought it in November 1993.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 HARVARD ST, LOWELL, MA 01851-1703 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 1993 · Amount on File |
| Deed Sale | Nov 2, 1993 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 HARVARD ST, LOWELL, MA 01851-1703 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35348-182 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 35348/182 |
| Instrument | 9854 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2026 property tax bill for 38 Harvard St was $6,221, up 6.5% 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 | $6,221.00 (+6.49%) | $548,100 (+7.7%) Land $171,000 Building $377,100 | $592,397 (+38.82%) |
| 2025 | $5,842.00 (+2.17%) | $508,900 (+6%) Land $159,800 Building $349,100 | $426,740 (-9.38%) |
| 2024 | $5,718.00 (+5.87%) | $480,100 (+10.39%) Land $150,700 Building $329,400 | $470,915 |
| 2023 | $5,401.00 | $434,900 Land $131,100 Building $303,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Harvard St in Zone X, an area of minimal flood risk.
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.
The area around 38 Harvard 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.
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 240 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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