394 Lowell St, Peabody, MA 01960 Property Records

Essex County and Peabody City property record for 394 Lowell St, Peabody, MA 01960

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,826 sqft · built 1985
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Aug 2025)
Tax Bill	$5,686 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PEAB M:0061 B:0095`

Property Details

APN / Parcel Number

Primary APN	`PEAB M:0061 B:0095`
Alternative APN	`6905`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,826 sqft Living Area
1st Floor Area	1,026 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Lot Area	11,021 sqft (0.253 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6905
Street Address	394 LOWELL ST
City	PEABODY
State	MA
Zip	01960-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1B
Legal Subdivision	JOSEPH F LUZ & ADELINE T LUZ
Legal Block	95
Jurisdiction	PEABODY MA
Township / Civil Division	PEABODY
Census Block Group	2
Census Block	2014
Census Tract	210301

Owner

Source: Essex County and Peabody 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	2 Individual Names on Record
Mailing Address	394 LOWELL ST, PEABODY, MA 01960-2721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE EQUITY PARTNERS LLC
Apr 27, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Feb 24, 2017	Quit Claim Deed, Transfer EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Feb 24, 2017 · Amount on Record
Deed Document Number	20253250
Deed Book / Page	42911 / 524
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEABODY MA
Recording Date	Aug 26, 2025
Property Address	394 LOWELL ST, PEABODY, MA 01960-2721
Document Number	042911-524
Book / Page	42911 / 524
Instrument Date	Aug 26, 2025
Instrument	20250826003250
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	394 LOWELL ST, PEABODY, MA 01960-2721
Investor	Possibly a Property Investor

Mortgage

Document Number	20250826003260
Date	Aug 26, 2025
Instrument	20250826003260

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEABODY MA
Property Address	394 LOWELL ST, PEABODY, MA 01960-2721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39205-532
Date	Nov 20, 2020
Book Page	39205/532
Instrument	20201120003220

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEABODY MA
Recording Date	Apr 27, 2020
Property Address	394 LOWELL ST, PEABODY, MA 01960-2721
Document Number	38452-271
Book / Page	38452 / 271
Instrument Date	Apr 9, 2020
Instrument	20200427000810
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	394 LOWELL ST, PEABODY, MA 01960-2721

Mortgage

Document Number	38452-273
Date	Apr 27, 2020
Book Page	38452/273
Instrument	20200427000820

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEABODY MA
Recording Date	Feb 24, 2017
Property Address	394 LOWELL ST, PEABODY, MA 01960-2721
Document Number	35699-356
Book / Page	35699 / 356
Instrument	253
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	356990359
Date	Feb 24, 2017
Instrument	35699/0359

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 24, 2047

Tax Assessment & Valuation

Source: Essex County and Peabody City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Peabody City
Unified School District	Peabody School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,686.00 (+2.58%)	$600,400 (+0.3%) Land $293,400 Building $307,000	$718,131 (-4.06%)
2025	$5,543.00 (+13.82%)	$598,600 (+12.1%) Land $271,700 Building $326,900	$748,505
2024	$4,870.00 (-1.52%)	$534,000 (+2.81%) Land $271,700 Building $262,300
2023	$4,945.00	$519,400 Land $226,400 Building $293,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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.

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	PEABODY WATER DEPT. serves 54,481 people · EPA ID MA3229000
Water Source	Surface water
Last State Inspection	May 2026
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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