396 Varnum Ave, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 396 Varnum Ave, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,640 sqft · built 1960
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Sep 2014)
Tax Bill	$5,180 (2026)
Deeds & Mortgages	Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`D11120`

Property Details

APN / Parcel Number

Primary APN	`D11120`
Alternative APNs	`LOWE M:69 B:5880 L:396` `M:000069 T:D11120`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	2,905 sqft
1st Floor Area	1,215 sqft
Basement Area	1,215 sqft
Unfinished Basement	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	D11120
Street Address	396 VARNUM AVE
City	LOWELL
State	MA
Zip	01854-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5880
Legal Lot Number	396
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1019
Census Tract	310602

Owner

396 Varnum Ave is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 VARNUM AVE, LOWELL, MA 01854-2120
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2014 · Amount on File
Deed Sale	Sep 30, 2014 · Amount on File
Prior Sale	Aug 2, 1993 · Amount on File
Deed Book / Page	28512 / 157
Transfer Doc	028512-157
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	396 VARNUM AVE, LOWELL, MA 01854-2120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34956-124
Date	Nov 23, 2020
Book Page	34956/124
Instrument	60573

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 396 Varnum Ave was $5,180, up 2.1% 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	$5,180.00 (+2.15%)	$456,400 (+3.33%) Land $171,600 Building $284,800	$492,253 (+9.85%)
2025	$5,071.00 (+11.84%)	$441,700 (+16.02%) Land $160,400 Building $281,300	$448,115 (+5.22%)
2024	$4,534.00 (+6.53%)	$380,700 (+11.09%) Land $129,300 Building $251,400	$425,885
2023	$4,256.00	$342,700 Land $105,600 Building $237,100

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

Flood

FEMA maps place 396 Varnum Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	333 units insured incl. 324 condo units
Nearby Flood Claims	27 (1979–2015)
Claims Outside the SFHA	5 of 27
Most Recent Claim	Feb 2015 · other causes
Claims by Event	Severe Storms And Flooding, May 2006 · 17 claims Severe Storms & Flooding, Apr 1987 · 2 claims

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

Wildfire risk around 396 Varnum Ave is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 324 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20