Middlesex County and Lowell City property record for 40 2nd St, Lowell, MA 01850
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 5 ba · 3,444 sqft · built 1940 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $354,000 (May 2017) |
| Tax Bill | $7,841 (2026) |
| Deeds & Mortgages | Apr 2025 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S14980 |
| Primary APN | S14980 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 15 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,444 sqft Living Area |
| Gross Area | 5,072 sqft |
| 1st Floor Area | 1,505 sqft |
| Basement Area | 1,098 sqft |
| Unfinished Basement | 1,098 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,920 sqft (0.09 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | S14980 |
|---|---|
| Street Address | 40 2ND ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2506 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMF |
| Legal Block | 5250 |
| Legal Lot Number | 40 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 310200 |
40 2nd St, a duplex, is owned and occupied by an individual who bought it in May 2017.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 2ND ST, LOWELL, MA 01850-2506 |
| 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.
| Date | Document |
|---|---|
| Apr 1, 2025 | Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| May 11, 2017 | Quit Claim Deed, Transfer · FHA Mortgage ROCKLAND TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2017 · Amount on File |
| Deed Sale | May 11, 2017 · Amount on File |
| Prior Sale | Nov 15, 2013 |
| Deed Document Number | 201719110 |
| Deed Book / Page | 31107 / 293 |
| Transfer Doc | 031107-293 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 40 2ND ST, LOWELL, MA 01850-2506 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039161-247 |
|---|---|
| Date | Apr 1, 2025 |
| Book Page | 39161/247 |
| Instrument | 9462 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 11, 2017 |
| Property Address | 40 2ND ST, LOWELL, MA 01850-2506 |
| Document Number | 31107-293 |
| Book / Page | 031107 / 000293 |
| Instrument Date | May 11, 2017 |
| Instrument | 19110 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,614.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 TUSCAN RD LYNN MA 019041128, LYNN, MA 01904-1128 |
| Document Number | 31108-1 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 031108/000001 |
| Instrument | 19111 |
| Name | ROCKLAND TR |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 384 Months |
| Due | May 10, 2049 |
The 2026 property tax bill for 40 2nd St was $7,841, up 4.4% 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 | $7,841.00 (+4.45%) | $690,800 (+5.64%) Land $128,100 Building $562,700 | $660,636 |
| 2025 | $7,507.00 (+10.19%) | $653,900 (+14.32%) Land $119,700 Building $534,200 | |
| 2024 | $6,813.00 (+7.17%) | $572,000 (+11.76%) Land $99,400 Building $472,600 | |
| 2023 | $6,357.00 | $511,800 Land $86,500 Building $425,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 2nd St in Zone X, an area of minimal flood risk.
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 Policies | 1 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.
The area around 40 2nd 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 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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