38 Lincoln St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 38 Lincoln St, Lowell, MA 01851

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 5 ba · 6,828 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$521,099 (Mar 2021)
Tax Bill	$8,191 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T19545`

Property Details

APN / Parcel Number

Primary APN	`T19545`
Alternative APNs	`LOWE M:143 B:3620 L:38` `M:000143 T:201690`

Interior

Bedrooms	9 Beds
Full Baths	5 Baths
Total Rooms	15 Rooms
Units	5 Units
Stories	2 Stories
Building Area	6,828 sqft Living Area
Gross Area	10,368 sqft
1st Floor Area	3,036 sqft
Basement Area	2,982 sqft
Unfinished Basement	2,982 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	T19545
Street Address	38 LINCOLN ST
City	LOWELL
State	MA
Zip	01851-3339
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	TMF
Legal Block	3620
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1014
Census Tract	311800

Owner

38 Lincoln St, a residential property, is owned by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	696 MAIN ST, HAVERHILL, MA 01830-2642
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	Name on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Jan 21, 1983 · Amount on File
Deed Document Number	202119224
Prior Transfer Date	Mar 22, 2021
Prior Transfer Doc	35556-222
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 31, 2021
Property Address	38 LINCOLN ST, LOWELL, MA 01851-3339
Document Number	035556-222
Book / Page	35556 / 222
Instrument Date	Mar 22, 2021
Instrument	19224
Transaction Type	Transfer
Record Updated	Jan 25, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 HIGH ST, CLINTON, MA 01510-2510
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019225
Date	Mar 31, 2021
Instrument	19225

Lender

Name	STEVEN A ROSS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 38 Lincoln St was $8,191, up 5.6% 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
2026	$8,191.00 (+5.64%)	$721,700 (+6.86%) Land $143,000 Building $578,700
2025	$7,754.00 (-0.41%)	$675,400 (+3.32%) Land $126,200 Building $549,200
2024	$7,786.00 (+1.57%)	$653,700 (+5.91%) Land $117,900 Building $535,800
2023	$7,666.00	$617,200 Land $102,500 Building $514,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 38 Lincoln 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.

Wildfire

The area around 38 Lincoln 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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20