Middlesex County and Lowell City property record for 38 Smith St, Lowell, MA 01851
| Property Type | Triplex |
|---|---|
| Details | 9 bd · 3 ba · 3,420 sqft · built 1900 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Company Name on Record |
| Last Sale | $275,000 (Nov 2018) |
| Tax Bill | $6,196 (2026) |
| Deeds & Mortgages | Jun 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A01100 |
| Primary APN | A01100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 9 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 15 Rooms |
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 3,420 sqft Living Area |
| Gross Area | 4,941 sqft |
| 1st Floor Area | 1,140 sqft |
| Basement Area | 1,140 sqft |
| Unfinished Basement | 1,140 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Shingles |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 4,356 sqft (0.1 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | A01100 |
|---|---|
| Street Address | 38 SMITH ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1973 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Triplex |
| Local Zoning Code | TMF |
| Legal Block | 5400 |
| Legal Lot Number | 38 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1955, ANDOVER, MA 01810-0033 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2018 · Amount on Record |
| Deed Sale | Nov 15, 2018 · Amount on Record |
| Prior Sale | Sep 29, 2014 · Amount on Record |
| Deed Book / Page | 32567 / 229 |
| Transfer Doc | 032567-229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 38 SMITH ST, LOWELL, MA 01851-1973 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039294-112 |
|---|---|
| Date | Jun 5, 2025 |
| Book Page | 39294/112 |
| Instrument | 16778 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| 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 |
|---|---|---|
| 2026 | $6,196.00 (+5.9%) | $545,900 (+7.1%) Land $128,100 Building $417,800 |
| 2025 | $5,851.00 (+4.82%) | $509,700 (+8.75%) Land $113,000 Building $396,700 |
| 2024 | $5,582.00 (+2.38%) | $468,700 (+6.77%) Land $105,600 Building $363,100 |
| 2023 | $5,452.00 | $439,000 Land $91,800 Building $347,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 | 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.
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 571 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.
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