40 Main St, Lowell, MA 01852 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 985 sqft · built 1880
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jan 2020)
Tax Bill	$3,705 (2026)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`J01050`

Property Details

APN / Parcel Number

Primary APN	`J01050`
Alternative APNs	`LOWE M:166 B:3800 L:40` `M:000166 T:J01050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	985 sqft Living Area
Gross Area	1,648 sqft
1st Floor Area	611 sqft
Basement Area	548 sqft
Unfinished Basement	548 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	J01050
Street Address	40 MAIN ST
City	LOWELL
State	MA
Zip	01852-4448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	3800
Legal Lot Number	40
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3001
Census Tract	312200

Owner

40 Main St is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	40 MAIN ST, LOWELL, MA 01852-4448
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	Name on Deed
Last Sale	Jan 22, 2020 · Amount on File
Deed Sale	Jan 22, 2020 · Amount on File
Prior Sale	Jun 16, 2014 · Amount on File
Deed Document Number	20203008
Deed Book / Page	33768 / 19
Record Updated	Oct 29, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 22, 2020
Property Address	40 MAIN ST, LOWELL, MA 01852-4448
Document Number	33768-19
Book / Page	33768 / 19
Instrument Date	Jan 22, 2020
Instrument	3008
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Address	40 MAIN ST, LOWELL, MA 01852-4448

Mortgage

Document Number	3009
Date	Jan 22, 2020
Instrument	3009

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 40 Main St was $3,705, up 7.5% 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	$3,705.00 (+7.55%)	$326,400 (+8.76%) Land $118,300 Building $208,100	$360,378 (+11.08%)
2025	$3,445.00 (+2.56%)	$300,100 (+6.42%) Land $107,400 Building $192,700	$324,425 (+2.15%)
2024	$3,359.00 (+6.3%)	$282,000 (+10.85%) Land $100,400 Building $181,600	$317,585
2023	$3,160.00	$254,400 Land $87,300 Building $167,100

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

Flood

FEMA maps place 40 Main 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.

Wildfire

The area around 40 Main 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 416 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20