40 Morningside Dr, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 40 Morningside Dr, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,750 sqft · built 1962
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (Oct 2020)
Tax Bill	$7,119 (2026)
Deeds & Mortgages	May 2019 Refinance Oct 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R07790`

Property Details

APN / Parcel Number

Primary APN	`R07790`
Alternative APNs	`LOWE M:265 B:4185 L:40` `M:000265 T:R07790`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
Gross Area	3,729 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R07790
Street Address	40 MORNINGSIDE DR
City	LOWELL
State	MA
Zip	01852-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4185
Legal Lot Number	40
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	312501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	40 MORNINGSIDE DR, LOWELL, MA 01852-3105
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Oct 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 31, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Jan 15, 2019	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CTR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on Record
Deed Sale	Oct 28, 2020 · Amount on Record
Prior Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	202054220
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	34827-165
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 MORNINGSIDE DR, LOWELL, MA 01852-3105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33018-41
Date	May 31, 2019
Book Page	33018/41
Instrument	20693

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2029

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 28, 2020
Property Address	40 MORNINGSIDE DR, LOWELL, MA 01852-3105
Document Number	34827-165
Book / Page	034827 / 000165
Instrument Date	Oct 26, 2020
Instrument	54220
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,508.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	22 PARISH RD NEEDHAM MA 024941022, NEEDHAM, MA 02494-1022

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 MORNINGSIDE DR, LOWELL, MA 01852-3105
Document Number	33536-124
Instrument Date	Oct 31, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MORNINGSIDE DR LOWELL MA 018523105, LOWELL, MA 01852-3105

Mortgage

Document Number	33536-124
Date	Nov 8, 2019
Book Page	033536/000124
Instrument	49444

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 15, 2019
Property Address	40 MORNINGSIDE DR, LOWELL, MA 01852-3105
Document Number	32708-137
Book / Page	032708 / 000137
Instrument Date	Jan 11, 2019
Instrument	68
Transaction Type	Transfer
Record Updated	Feb 6, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,211.60
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MORNINGSIDE DR LOWELL MA 018523105, LOWELL, MA 01852-3105

Mortgage

Document Number	32708-139
Date	Jan 15, 2019
Book Page	032708/000139
Instrument	69

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

Tax Assessment & Valuation

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	$7,119.00 (+2.48%)	$627,200 (+3.65%) Land $269,400 Building $357,800	$646,960 (-0.07%)
2025	$6,947.00 (+5.74%)	$605,100 (+9.7%) Land $251,800 Building $353,300	$647,425 (+2.43%)
2024	$6,570.00 (+5.19%)	$551,600 (+9.68%) Land $235,400 Building $316,200	$632,035
2023	$6,246.00	$502,900 Land $204,700 Building $298,200

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

Flood

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 Claims	2 (1978–1980)
Most Recent Claim	Oct 1980 · rainfall accumulation

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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