385 Walker St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 385 Walker St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,782 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$213,500 (Aug 2017)
Tax Bill	$7,017 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`K06670`

Property Details

APN / Parcel Number

Primary APN	`K06670`
Alternative APNs	`LOWE M:103 B:6085 L:385` `M:000103 T:K06670`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,782 sqft Living Area
Gross Area	3,760 sqft
1st Floor Area	903 sqft
Basement Area	903 sqft
Unfinished Basement	903 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	3,049 sqft (0.07 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	K06670
Street Address	385 WALKER ST
City	LOWELL
State	MA
Zip	01851-2534
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Subdivision	FLORENCE ST
Legal Block	6085
Legal Lot Number	385
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	311300

Owner

385 Walker St, a duplex, is owned by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 2561, ACTON, MA 01720-6561
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · ARM NEW ENGLAND FEDERAL CREDIT UNION
Aug 7, 2017	Quit Claim Deed, Transfer NEW ENGLAND FCU
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage A E KINGSLEY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2017 · Amount on File
Deed Sale	Aug 7, 2017 · Amount on File
Prior Sale	Jun 8, 2016 · Amount on File
Deed Book / Page	31359 / 204
Transfer Doc	031359-204
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	385 WALKER ST, LOWELL, MA 01851-2534
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035393-99
Date	Feb 26, 2021
Book Page	35393/99
Instrument	11847

Lender

Name	NEW ENGLAND FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	121 Months
Due	Mar 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Mar 1, 2028
Index	1-Year CMT

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 7, 2017
Property Address	385 WALKER ST, LOWELL, MA 01851-2534
Document Number	31359-204
Book / Page	31359 / 204
Instrument	34475
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.66
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WALKER ST, LOWELL, MA 01851-2534

Mortgage

Document Number	313590208
Date	Aug 7, 2017
Instrument	31359/0208

Lender

Name	NEW ENGLAND FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 7, 2047

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	385 WALKER ST, LOWELL, MA 01851-2534
Document Number	30861-102
Book / Page	030861 / 000102
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30861-102
Date	Jan 24, 2017
Book Page	030861/000102
Instrument	3351

Lender

Name	A E KINGSLEY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 385 Walker St was $7,017, up 4.6% from the year before.

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	$7,017.00 (+4.56%)	$618,200 (+5.75%) Land $144,500 Building $473,700	$664,458
2025	$6,711.00 (+8.57%)	$584,600 (+12.64%) Land $135,000 Building $449,600
2024	$6,181.00 (+7.5%)	$519,000 (+12.1%) Land $121,500 Building $397,500
2023	$5,750.00	$463,000 Land $105,600 Building $357,400

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

Flood

FEMA maps place 385 Walker St in Zone X, an area of minimal flood risk.

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

The area around 385 Walker St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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