38 Prospect St, Lowell, MA 01852 Property Records

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

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,808 sqft · built 1910
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Jun 2021)
Tax Bill	$4,763 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R00380`

Property Details

APN / Parcel Number

Primary APN	`R00380`
Alternative APNs	`LOWE M:182 B:4775 L:38` `M:000182 T:R00380`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,808 sqft Living Area
Gross Area	2,965 sqft
1st Floor Area	963 sqft
Basement Area	963 sqft
Unfinished Basement	963 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	R00380
Street Address	38 PROSPECT ST
City	LOWELL
State	MA
Zip	01852-4142
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	4775
Legal Lot Number	38
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2017
Census Tract	312000

Owner

Source: Middlesex County and Lowell City records, as of April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	38 PROSPECT ST, LOWELL, MA 01852-4142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Feb 10, 2014
Deed Document Number	202132220
Record Updated	Jun 8, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 1, 2021
Property Address	38 PROSPECT ST, LOWELL, MA 01852-4142
Document Number	35817-240
Book / Page	35817 / 240
Instrument Date	May 28, 2021
Instrument	32220
Transaction Type	Transfer
Record Updated	Jun 18, 2021

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
Address	38 PROSPECT ST, LOWELL, MA 01852-4142

Mortgage

Document Number	32221
Date	Jun 1, 2021
Instrument	32221

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$4,763.00 (+8.35%)	$414,900 (+12.41%) Land $128,100 Building $286,800
2024	$4,396.00 (+7.72%)	$369,100 (+12.33%) Land $115,500 Building $253,600
2023	$4,081.00	$328,600 Land $100,500 Building $228,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 744 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Verizon Fiber · Fixed Wireless	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20