38 Marginal St, Lowell, MA 01851 Property Records

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

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,508 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2022)
Tax Bill	$6,840 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M12250`

Property Details

APN / Parcel Number

Primary APN	`M12250`
Alternative APNs	`LOWE M:86 B:3885 L:38` `M:000086 T:M12250`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,508 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	1,254 sqft
Basement Area	1,254 sqft
Unfinished Basement	1,254 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M12250
Street Address	38 MARGINAL ST
City	LOWELL
State	MA
Zip	01851-1205
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	3885
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2001
Census Tract	311300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 MARGINAL ST, LOWELL, MA 01851-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2022 · Amount on Record
Deed Sale	Apr 15, 2022 · Amount on Record
Prior Sale	Aug 26, 2015 · Amount on Record
Deed Book / Page	36986 / 192
Record Updated	Oct 29, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 15, 2022
Property Address	38 MARGINAL ST, LOWELL, MA 01851-1205
Document Number	036986-192
Book / Page	36986 / 192
Instrument Date	Apr 15, 2022
Instrument	16580
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	38 MARGINAL ST, LOWELL, MA 01851-1205

Mortgage

Document Number	0000016581
Date	Apr 15, 2022
Instrument	16581

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

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	$6,840.00 (+2.46%)	$602,600 (+3.63%) Land $156,200 Building $446,400	$638,665
2025	$6,676.00 (+10.06%)	$581,500 (+14.18%) Land $146,000 Building $435,500
2024	$6,066.00 (+5.06%)	$509,300 (+9.55%) Land $137,700 Building $371,600
2023	$5,774.00	$464,900 Land $119,700 Building $345,200

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

Flood

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

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 804 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

May also be available: T-Mobile.

Nearby Properties on Marginal St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures