Middlesex County and Lowell City property record for 409 Pawtucket St, Lowell, MA 01854
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 3,172 sqft · built 1890 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $410,000 (May 2019) |
| Tax Bill | $8,763 (2026) |
| Deeds & Mortgages | Apr 2020 Refinance May 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | D04800 |
| Primary APN | D04800 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,172 sqft Living Area |
| Gross Area | 4,306 sqft |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 1,166 sqft |
| Unfinished Basement | 1,166 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | D04800 |
|---|---|
| Street Address | 409 PAWTUCKET ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-3136 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMF |
| Legal Block | 4550 |
| Legal Lot Number | 409 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 310700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
409 Pawtucket St, a duplex, is held in a trust since May 2019.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 197 ALLEN RD, BILLERICA, MA 01821-5243 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON TRUST MORTGAGE CO |
| May 3, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO |
| Sep 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MARK CRISTOFORI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2019 · Amount on File |
| Deed Sale | May 3, 2019 · Amount on File |
| Prior Sale | Dec 12, 2016 |
| Deed Book / Page | 32947 / 130 |
| Prior Transfer Date | Apr 23, 2019 |
| Prior Transfer Doc | 32947-130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 409 PAWTUCKET ST, LOWELL, MA 01854-3136 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34019-50 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | 34019/50 |
| Instrument | 15786 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 3, 2019 |
| Property Address | 409 PAWTUCKET ST, LOWELL, MA 01854-3136 |
| Document Number | 32947-130 |
| Book / Page | 32947 / 130 |
| Instrument Date | Apr 23, 2019 |
| Instrument | 16657 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| 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 |
|---|
| Document Number | 16658 |
|---|---|
| Date | May 3, 2019 |
| Instrument | 16658 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 409 PAWTUCKET ST, LOWELL, MA 01854-3136 |
| Document Number | 31511-16 |
| Book / Page | 031511 / 000016 |
| Instrument Date | Sep 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 31511-16 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 031511/000016 |
| Instrument | 43367 |
| Name | MARK CRISTOFORI |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 409 Pawtucket St was $8,763, up 7.1% 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 | $8,763.00 (+7.11%) | $772,100 (+8.35%) Land $163,700 Building $608,400 | $703,460 |
| 2025 | $8,181.00 (+7.86%) | $712,600 (+11.89%) Land $135,000 Building $577,600 | |
| 2024 | $7,585.00 (+7.33%) | $636,900 (+11.93%) Land $126,200 Building $510,700 | |
| 2023 | $7,067.00 | $569,000 Land $109,700 Building $459,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 Pawtucket St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2006) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2006 · Severe Storms And Flooding |
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 risk around 409 Pawtucket St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 434 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 |
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