Middlesex County and Lowell City property record for 405 School St, Lowell, MA 01851
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 3,151 sqft · built 1900 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Company Name on File |
| Last Sale | $420,000 (Oct 2022) |
| Tax Bill | $6,449 (2026) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M12765 |
| Primary APN | M12765 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 3,151 sqft Living Area |
| Gross Area | 4,296 sqft |
| 1st Floor Area | 1,165 sqft |
| Basement Area | 1,165 sqft |
| Unfinished Basement | 1,165 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 3,485 sqft (0.08 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | M12765 |
|---|---|
| Street Address | 405 SCHOOL ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1369 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | USF |
| Legal Block | 5240 |
| Legal Lot Number | 405 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 311200 |
405 School St, a residential property, is owned by a company that bought it in October 2022.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 1955, ANDOVER, MA 01810-0033 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2022 · Amount on File |
| Deed Sale | Oct 11, 2022 · Amount on File |
| Prior Sale | Mar 12, 2003 |
| Deed Book / Page | 37438 / 83 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 11, 2022 |
| Property Address | 405 SCHOOL ST, LOWELL, MA 01851-1369 |
| Document Number | 0037438-83 |
| Book / Page | 37438 / 83 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 42412 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 ORCHARD XING, ANDOVER, MA 01810-4875 |
| Document Number | 0000042414 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 42414 |
| Name | MIDDLESEX FSLA |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 405 School St was $6,449, up 15.4% 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 |
|---|---|---|
| 2026 | $6,449.00 (+15.37%) | $568,200 (+16.7%) Land $121,600 Building $446,600 |
| 2025 | $5,590.00 (+0.79%) | $486,900 (+4.55%) Land $107,200 Building $379,700 |
| 2024 | $5,546.00 (-12.27%) | $465,700 (-8.51%) Land $100,200 Building $365,500 |
| 2023 | $6,322.00 | $509,000 Land $87,200 Building $421,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 405 School St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 405 School 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 804 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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