Middlesex County and Lowell City property record for 38 Shadow Dr, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,621 sqft · built 1965 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Dec 2017) |
| Tax Bill | $5,367 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | S16680 |
| Primary APN | S16680 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,621 sqft Living Area |
| Gross Area | 2,518 sqft |
| 1st Floor Area | 1,215 sqft |
| Basement Area | 1,215 sqft |
| Unfinished Basement | 1,215 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | S16680 |
|---|---|
| Street Address | 38 SHADOW DR |
| City | LOWELL |
| State | MA |
| Zip | 01854-1334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 5280 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 310601 |
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 SHADOW DR, LOWELL, MA 01854-1334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance NORTH SHORE BANK |
| Aug 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance NORTH SHORE BANK |
| May 4, 2018 | Deed of Trust, Mortgage NORTH SHORE BANK |
| Dec 26, 2017 | Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 26, 2017 · Amount on Record |
| Deed Sale | Dec 26, 2017 · Amount on Record |
| Prior Sale | Sep 21, 1990 · Amount on Record |
| Deed Book / Page | 31756 / 84 |
| Last Transfer Date | Aug 24, 2021 |
| Transfer Doc | 036188-117 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 30, 2021 |
| Property Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 36188-117 |
| Book / Page | 36188 / 117 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 50814 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 36188-120 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 36188/120 |
| Instrument | 50815 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 30, 2021 |
| Property Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 036188-117 |
| Book / Page | 36188 / 117 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 50814 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 0000050815 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 50815 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32050-32 |
|---|---|
| Date | May 4, 2018 |
| Book Page | 32050/32 |
| Instrument | 17921 |
| Name | NORTH SHORE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 1, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 26, 2017 |
| Property Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 31756-84 |
| Book / Page | 31756 / 84 |
| Instrument | 57967 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.54 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 SHADOW DR, LOWELL, MA 01854-1334 |
| Document Number | 317560088 |
|---|---|
| Date | Dec 26, 2017 |
| Instrument | 31756/0088 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 26, 2047 |
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 | $5,367.00 (+2.33%) | $472,900 (+3.5%) Land $188,900 Building $284,000 | $546,310 (+12.69%) |
| 2025 | $5,245.00 (+5.83%) | $456,900 (+9.81%) Land $176,500 Building $280,400 | $484,785 (+19.12%) |
| 2024 | $4,956.00 (+4.87%) | $416,100 (+9.36%) Land $165,000 Building $251,100 | $406,980 |
| 2023 | $4,726.00 | $380,500 Land $143,500 Building $237,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1981–2008) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Feb 2008 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 295 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 |
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