Middlesex County and Lowell City property record for 40 Oak St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,084 sqft · built 1940 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Aug 2016) |
| Tax Bill | $6,618 (2026) |
| Deeds & Mortgages | Apr 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D09290 |
| Primary APN | D09290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,084 sqft Living Area |
| Gross Area | 3,549 sqft |
| 1st Floor Area | 1,042 sqft |
| Attic | Attic |
| Attic Area | 550 sqft |
| Basement Area | 865 sqft |
| Unfinished Basement | 865 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | D09290 |
|---|---|
| Street Address | 40 OAK ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 4375 |
| Legal Lot Number | 40 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 312501 |
40 Oak St is owned and occupied by an individual who bought it in August 2016.
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40 OAK ST, LOWELL, MA 01852-2736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2016 · Amount on File |
| Deed Sale | Aug 25, 2016 · Amount on File |
| Prior Sale | Mar 31, 2016 · Amount on File |
| Deed Document Number | 201640021 |
| Deed Book / Page | 30368 / 1 |
| Transfer Doc | 30368-1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 40 OAK ST, LOWELL, MA 01852-2736 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 038453-137 |
|---|---|
| Date | Apr 29, 2024 |
| Book Page | 38453/137 |
| Instrument | 11266 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 40 Oak St was $6,618, up 8.2% 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 | $6,618.00 (+8.23%) | $583,100 (+9.46%) Land $142,400 Building $440,700 | $550,434 (+9.74%) |
| 2025 | $6,115.00 (+0.26%) | $532,700 (+4.02%) Land $124,200 Building $408,500 | $501,600 (+8.62%) |
| 2024 | $6,099.00 (+6.51%) | $512,100 (+11.08%) Land $126,800 Building $385,300 | $461,795 |
| 2023 | $5,726.00 | $461,000 Land $106,100 Building $354,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Oak St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 (1982–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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 Oak 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 643 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 |
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