39 Saint James St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 39 Saint James St, Lowell, MA 01852

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,872 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Feb 2021)
Tax Bill	$5,129 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`K03310`

Property Details

APN / Parcel Number

Primary APN	`K03310`
Alternative APNs	`LOWE M:206 B:5460 L:39` `M:000206 T:K03310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	3,838 sqft
1st Floor Area	944 sqft
Attic	Attic
Attic Area	928 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	K03310
Street Address	39 SAINT JAMES ST
City	LOWELL
State	MA
Zip	01852-5010
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	5460
Legal Lot Number	39
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2007
Census Tract	312100

Owner

39 Saint James St, a duplex, is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	39 SAINT JAMES ST, LOWELL, MA 01852-5010
Occupancy	Owner Occupied
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 3, 2021	Fiduciary Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Jun 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2021 · Amount on File
Deed Sale	Feb 3, 2021 · Amount on File
Deed Document Number	20217000
Record Updated	Oct 29, 2026

February 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 3, 2021
Property Address	39 SAINT JAMES ST, LOWELL, MA 01852-5010
Document Number	35293-207
Book / Page	35293 / 207
Instrument Date	Jan 17, 2021
Instrument	7000
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SAINT JAMES ST, LOWELL, MA 01852-5010

Mortgage

Document Number	7001
Date	Feb 3, 2021
Instrument	7001

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 1, 2018
Property Address	39 SAINT JAMES ST, LOWELL, MA 01852-5010
Document Number	32118-289
Book / Page	032118 / 000289
Instrument Date	Mar 16, 2018
Instrument	22193
Transaction Type	Transfer
Record Updated	Jun 19, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SAINT JAMES ST LOWELL MA 018525010, LOWELL, MA 01852-5010

Tax Assessment & Valuation

The 2026 property tax bill for 39 Saint James St was $5,129, 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	$5,129.00 (+4.63%)	$451,900 (+5.83%) Land $137,400 Building $314,500	$580,972
2025	$4,902.00 (+8.38%)	$427,000 (+12.43%) Land $128,400 Building $298,600
2024	$4,523.00 (+7.72%)	$379,800 (+12.33%) Land $115,800 Building $264,000
2023	$4,199.00	$338,100 Land $100,700 Building $237,400

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

Flood

FEMA maps place 39 Saint James 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

Wildfire risk around 39 Saint James St is low, with less than a 0.01% annual chance of wildfire.

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.

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 440 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: AT&T.

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