Middlesex County and Lowell City property record for 39 Harvard St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,277 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,900 (May 2014) |
| Tax Bill | $6,188 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | Q00500 |
| Primary APN | Q00500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,277 sqft Living Area |
| Gross Area | 3,825 sqft |
| 1st Floor Area | 899 sqft |
| Attic | Attic |
| Attic Area | 872 sqft |
| Basement Area | 899 sqft |
| Unfinished Basement | 899 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | Q00500 |
|---|---|
| Street Address | 39 HARVARD ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Subdivision | C W WILDER |
| Legal Block | 2895 |
| Legal Lot Number | 39 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311300 |
39 Harvard St is owned and occupied by an individual who bought it in May 2014.
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 File |
|---|---|
| Mailing Address | 39 HARVARD ST, LOWELL, MA 01851-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2014 · Amount on File |
| Deed Sale | May 20, 2014 · Amount on File |
| Prior Sale | Jun 19, 2003 · Amount on File |
| Deed Book / Page | 28182 / 88 |
| Transfer Doc | 0028182-88 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 15, 2026 |
| Property Address | 39 HARVARD ST, LOWELL, MA 01851-1702 |
| Document Number | 0040061-76 |
| Book / Page | 40061 / 76 |
| Instrument Date | May 11, 2026 |
| Instrument | 202615051 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 39 HARVARD ST, LOWELL, MA 01851-1702 |
| Document Number | 0000015051, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 40061/76 |
| Instrument | 202615051 |
| Name | CROSSCOUNTY MORTGAGE INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 39 Harvard St was $6,188, up 6.2% from the year before.
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 | $6,188.00 (+6.18%) | $545,200 (+7.39%) Land $181,300 Building $363,900 | $563,432 (+13.29%) |
| 2025 | $5,828.00 (+3.35%) | $507,700 (+7.22%) Land $169,400 Building $338,300 | $497,325 (-1.65%) |
| 2024 | $5,639.00 (+6.16%) | $473,500 (+10.71%) Land $159,800 Building $313,700 | $505,685 |
| 2023 | $5,312.00 | $427,700 Land $138,900 Building $288,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Harvard St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 Claims | 2 (1979–1991) |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
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.
The area around 39 Harvard 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.
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 240 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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