Middlesex County and Lowell City property record for 38 Richards St, Lowell, MA 01850
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,752 sqft · built 1920 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $451,100 (Oct 2018) |
| Tax Bill | $8,401 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | W05030 |
| Primary APN | W05030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Living Area |
| Gross Area | 5,750 sqft |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,300 sqft |
| Unfinished Basement | 1,300 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | W05030 |
|---|---|
| Street Address | 38 RICHARDS ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2255 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TSF |
| Legal Block | 4915 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 310200 |
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 38 RICHARDS ST, LOWELL, MA 01850-2255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK |
| Oct 11, 2018 | Quit Claim Deed, Transfer THE WASHINGTON SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2018 · Amount on Record |
| Deed Sale | Oct 11, 2018 · Amount on Record |
| Prior Sale | Jun 23, 2006 · Amount on Record |
| Deed Book / Page | 32476 / 247 |
| Transfer Doc | 032476-247 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 RICHARDS ST, LOWELL, MA 01850-2255 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0035837-88 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | 35837/88 |
| Instrument | 33206 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 11, 2018 |
| Property Address | 38 RICHARDS ST, LOWELL, MA 01850-2255 |
| Document Number | 32476-247 |
| Book / Page | 32476 / 247 |
| Instrument | 44489 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $45.82 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 324760250 |
|---|---|
| Date | Oct 11, 2018 |
| Instrument | 32476/0250 |
| Name | THE WASHINGTON SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
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 | $8,401.00 (+4.45%) | $740,200 (+5.65%) Land $148,400 Building $591,800 | $658,228 |
| 2025 | $8,043.00 (+7.74%) | $700,600 (+11.77%) Land $138,700 Building $561,900 | |
| 2024 | $7,465.00 (+7.32%) | $626,800 (+11.91%) Land $129,600 Building $497,200 | |
| 2023 | $6,956.00 | $560,100 Land $112,700 Building $447,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 333 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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