Middlesex County and Lowell City property record for 39 Marginal St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,281 sqft · built 1890 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $97,000 (Dec 1998) |
| Tax Bill | $4,420 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B02185 |
| Primary APN | B02185 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,281 sqft Living Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 881 sqft |
| Basement Area | 669 sqft |
| Unfinished Basement | 669 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | B02185 |
|---|---|
| Street Address | 39 MARGINAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 3885 |
| Legal Lot Number | 39 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| May 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 31, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 30, 1998 · Amount on Record |
| Deed Sale | Dec 30, 1998 · Amount on Record |
| Deed Book / Page | 9834 / 194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 21, 2026 |
| Property Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Document Number | 0000031249 |
| Book / Page | 40362 / 62 |
| Instrument Date | Sep 5, 2026 |
| Instrument | 202631249 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Document Number | 0000031249, |
|---|---|
| Date | Sep 21, 2026 |
| Book Page | 40362/62 |
| Instrument | 202631249 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35260-67 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 35260/67 |
| Instrument | 5530 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Feb 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Document Number | 32065-115 |
| Instrument Date | May 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 39 MARGINAL ST LOWELL MA 018511203, LOWELL, MA 01851-1203 |
| Document Number | 32065-115 |
|---|---|
| Date | May 11, 2018 |
| Book Page | 032065/000115 |
| Instrument | 891 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 39 MARGINAL ST, LOWELL, MA 01851-1203 |
| Document Number | 31024-43 |
| Book / Page | 031024 / 000043 |
| Instrument Date | Mar 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2017 |
| Name | Verified Name |
|---|
| Document Number | 31024-43 |
|---|---|
| Date | Apr 6, 2017 |
| Book Page | 031024/000043 |
| Instrument | 13933 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 5, 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 | $4,420.00 (+6.38%) | $389,400 (+7.6%) Land $151,900 Building $237,500 | $405,396 (+17.3%) |
| 2025 | $4,155.00 (-4%) | $361,900 (-0.41%) Land $142,000 Building $219,900 | $345,610 (+4.09%) |
| 2024 | $4,328.00 (+6.39%) | $363,400 (+10.96%) Land $133,900 Building $229,500 | $332,025 |
| 2023 | $4,068.00 | $327,500 Land $116,400 Building $211,100 |
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 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.
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 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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