402 Riverside St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 402 Riverside St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 3,080 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2009)
Tax Bill	$8,059 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`G04090`

Property Details

APN / Parcel Number

Primary APN	`G04090`
Alternative APNs	`LOWE M:113 B:4980 L:402` `M:000113 T:G04090`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	4,713 sqft
1st Floor Area	2,005 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	G04090
Street Address	402 RIVERSIDE ST
City	LOWELL
State	MA
Zip	01854
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Subdivision	LAFAYETTE MANOR
Legal Block	4980
Legal Lot Number	402
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3002
Census Tract	310500

Owner

402 Riverside St, a duplex, is owned and occupied by two individuals who bought it in September 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	402 RIVERSIDE ST, LOWELL, MA 01854
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
Oct 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Nov 19, 2020	Deed of Trust, Mortgage · FHA Mortgage THE FEDERAL SAVINGS BANK
Nov 1, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Oct 29, 2018	Quit Claim Deed, Transfer · Conventional with PMI JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2009 · Amount on File
Deed Sale	Sep 9, 2009 · Amount on File
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	402 RIVERSIDE ST, LOWELL, MA 01854
Transaction Type	Mortgage
Record Updated	Nov 19, 2021
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36449-236
Date	Oct 29, 2021
Book Page	36449/236
Instrument	63599

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	402 RIVERSIDE ST, LOWELL, MA 01854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34935-266
Date	Nov 19, 2020
Book Page	34935/266
Instrument	59558

Lender

Name	THE FEDERAL SAVINGS BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	402 RIVERSIDE ST, LOWELL, MA 01854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33519-58
Date	Nov 1, 2019
Book Page	33519/58
Instrument	48434

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 29, 2018
Property Address	402 RIVERSIDE ST, LOWELL, MA 01854
Document Number	32519-206
Book / Page	032519 / 000206
Instrument Date	Oct 24, 2018
Instrument	47228
Transaction Type	Transfer
Record Updated	Nov 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	169 MOUNTAIN RD PLEASANTVILLE NY 105701915, PLEASANTVILLE, NY 10570-1915

Mortgage

Document Number	32519-215
Date	Oct 29, 2018
Book Page	032519/000215
Instrument	47229

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Mortgage

Document Number	32519-238,
Date	Oct 29, 2018
Book Page	032519/000238
Instrument	47230

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	240 Months
Due	Oct 28, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 402 Riverside St was $8,059, up 3.4% 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	$8,059.00 (+3.39%)	$710,000 (+4.57%) Land $199,000 Building $511,000	$732,049
2025	$7,795.00 (+9.43%)	$679,000 (+13.53%) Land $194,000 Building $485,000
2024	$7,123.00 (+9.01%)	$598,100 (+13.69%) Land $169,300 Building $428,800
2023	$6,534.00	$526,100 Land $140,600 Building $385,500

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

Flood

FEMA maps place 402 Riverside 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 402 Riverside 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 487 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	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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