1. Home
  2. Massachusetts
  3. Middlesex County
  4. Lowell
  5. Central St

40 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 40 Central St, Lowell, MA 01852

Property Summary

Property TypeCharitable / Fraternal Organization
Details4,554 sqft · built 1950
Lot Size0.04 acres (1,742 sqft)
OwnerCompany Name on File
Last Sale$1,200,000 (Jun 2015)
Deeds & MortgagesFeb 2023 Refinance
Flood ZoneZone X (minimal risk)
APNM:000178 T:211061

Property Details

APN / Parcel Number

Primary APNM:000178 T:211061
Alternative APNs
  • LOWE M:178 B:1125 L:40
  • 211061

Interior

Stories3 Stories
Building Area4,554 sqft Total Area
Gross Area6,072 sqft
1st Floor Area1,518 sqft
Basement Area1,518 sqft
Unfinished Basement1,518 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeHip
Roof MaterialTar & Gravel
Lot Area1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number211061
Street Address40 CENTRAL ST
CityLOWELL
StateMA
Zip01852-1908
Property CategoryCommercial
Property TypeCommercial > Retail > Charitable / Fraternal Organization
Local Zoning CodeDMU
Legal Block1125
Legal Lot Number40
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1015
Census Tract310102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Merrimack-Middle Streets Historic District (Boundary Increase)
listed 1988 · 52 contributing resources · NRIS 88000971

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

40 Central St, a commercial property, is owned by a company that bought it in June 2015.

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

Owner of RecordCompany Name on File
Mailing Address15 WARREN ST, 3, LOWELL, MA 01852-2207
Owner TypeCompany
VestingCompany

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 NamesName on Deed
Last SaleJun 19, 2015 · Amount on File
Deed SaleJun 19, 2015 · Amount on File
Prior SaleDec 13, 2011 · Amount on File
Deed Book / Page29159 / 293
Transfer Doc29159-293
Record UpdatedOct 29, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address40 CENTRAL ST, LOWELL, MA 01852-1908
Transaction TypeMortgage
Record UpdatedJan 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number037681-105
DateFeb 16, 2023
Book Page37681/105
Instrument4309
Lender
NameLOWELL DEVELOPMENT & FINANCIAL
Agreement
TypeStand-Alone Refinance
AmountAmount on Record

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearAssessed Value
2026$295,700 (+7.25%) Land $39,200 Building $256,500
2025$275,700 (+3.76%) Land $39,200 Building $236,500
2024$265,700 (+4.9%) Land $39,200 Building $226,500
2023$253,300 Land $39,200 Building $214,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 40 Central St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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

The area around 40 Central 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 RiskNot rated
no burnable land within 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 288 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 2,000
AT&T
Fixed Wireless		100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Central St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures