40 Rule Ln, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 40 Rule Ln, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,584 sqft · built 1965
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jul 2020)
Tax Bill	$6,093 (2026)
Deeds & Mortgages	Jun 2022 Transfer Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M17780`

Property Details

APN / Parcel Number

Primary APN	`M17780`
Alternative APNs	`LOWE M:55 B:5110 L:40` `M:000055 T:M17780`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	3,704 sqft
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Unfinished Basement	796 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M17780
Street Address	40 RULE LN
City	LOWELL
State	MA
Zip	01854-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5110
Legal Lot Number	40
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	310601

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 Individual Names on Record
Mailing Address	40 RULE LN, LOWELL, MA 01854-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 16, 2020	Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Deed Document Number	202031888
Last Transfer Date	Jun 23, 2022
Transfer Doc	037171-143
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 23, 2022
Property Address	40 RULE LN, LOWELL, MA 01854-1327
Document Number	037171-143
Book / Page	37171 / 143
Instrument Date	Jun 23, 2022
Instrument	26856
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 RULE LN, LOWELL, MA 01854-1327

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 16, 2020
Property Address	40 RULE LN, LOWELL, MA 01854-1327
Document Number	34363-131
Book / Page	34363 / 131
Instrument Date	Jul 15, 2020
Instrument	31888
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	417 HILDRETH ST UNIT 29, 29, LOWELL, MA 01850-1172

Mortgage

Document Number	31890
Date	Jul 16, 2020
Instrument	31890

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 1, 2019
Property Address	40 RULE LN, LOWELL, MA 01854-1327
Document Number	33114-209
Book / Page	033114 / 000209
Instrument Date	Jun 28, 2019
Instrument	26224
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RULE LN LOWELL MA 018541327, LOWELL, MA 01854-1327

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	$6,093.00 (+2.58%)	$536,800 (+3.75%) Land $191,600 Building $345,200	$571,786 (+9.69%)
2025	$5,940.00 (+6.24%)	$517,400 (+10.23%) Land $179,100 Building $338,300	$521,265 (+4.36%)
2024	$5,591.00 (+4.64%)	$469,400 (+9.11%) Land $167,400 Building $302,000	$499,510
2023	$5,343.00	$430,200 Land $145,500 Building $284,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1981–2008)
Claims Outside the SFHA	4 of 4
Most Recent Claim	Feb 2008 · 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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