40 Dundee St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 40 Dundee St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,534 sqft · built 1975
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Dec 2017)
Tax Bill	$5,569 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M16080`

Property Details

APN / Parcel Number

Primary APN	`M16080`
Alternative APNs	`LOWE M:213 B:1895 L:40` `M:000213 T:M16080`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,534 sqft Living Area
Gross Area	2,864 sqft
1st Floor Area	1,106 sqft
Basement Area	1,242 sqft
Unfinished Basement	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	M16080
Street Address	40 DUNDEE ST
City	LOWELL
State	MA
Zip	01850-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	1895
Legal Lot Number	40
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1010
Census Tract	310200

Owner

40 Dundee St is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 DUNDEE ST, LOWELL, MA 01850-1742
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
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC
Jun 13, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 11, 2017	Quit Claim Deed, Transfer · VA Mortgage ROSS MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on File
Deed Sale	Dec 11, 2017 · Amount on File
Prior Sale	Jul 27, 1977 · Amount on File
Deed Document Number	201755607
Deed Book / Page	31715 / 162
Transfer Doc	031715-162
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	May 20, 2026
Property Address	40 DUNDEE ST, LOWELL, MA 01850-1742
Document Number	040068-168
Book / Page	40068 / 168
Instrument Date	May 15, 2026
Instrument	202615422
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 DUNDEE ST, LOWELL, MA 01850-1742

Mortgage

Document Number	0000015422,
Date	May 20, 2026
Book Page	40068/168
Instrument	202615422

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 DUNDEE ST, LOWELL, MA 01850-1742
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037013-87
Date	Apr 27, 2022
Book Page	37013/87
Instrument	18054

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 DUNDEE ST, LOWELL, MA 01850-1742
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035389-80
Date	Feb 26, 2021
Book Page	35389/80
Instrument	11688

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 DUNDEE ST, LOWELL, MA 01850-1742
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039313-175
Date	Jun 13, 2025
Book Page	39313/175
Instrument	17847

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 11, 2017
Property Address	40 DUNDEE ST, LOWELL, MA 01850-1742
Document Number	31715-162
Book / Page	31715 / 162
Instrument	55607
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.55
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 DUNDEE ST, LOWELL, MA 01850-1742

Mortgage

Document Number	317150165
Date	Dec 11, 2017
Instrument	31715/0165

Lender

Name	ROSS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Dec 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 40 Dundee St was $5,569, up 8.8% 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	$5,569.00 (+8.77%)	$490,700 (+10.02%) Land $167,600 Building $323,100	$499,035 (+10.8%)
2025	$5,120.00 (-0.16%)	$446,000 (+3.58%) Land $156,600 Building $289,400	$450,395 (+3.88%)
2024	$5,128.00 (+3.41%)	$430,600 (+7.84%) Land $146,400 Building $284,200	$433,580
2023	$4,959.00	$399,300 Land $127,300 Building $272,000

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

Flood

FEMA maps place 40 Dundee 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

The area around 40 Dundee 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.

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

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

May also be available: T-Mobile.

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