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41 Saint James St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 41 Saint James St, Lowell, MA 01852

Property Summary

Property TypeDuplex
Details6 bd · 2 ba · 2,514 sqft · built 1920
Lot Size0.15 acres (6,534 sqft)
Owner2 Individual Names on File
Last Sale$745,000 (Aug 2024)
Tax Bill$6,979 (2025)
Deeds & MortgagesSep 2021 Mortgage
Feb 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM08560

Property Details

APN / Parcel Number

Primary APNM08560
Alternative APNs
  • LOWE M:206 B:5460 L:41
  • M:000206 T:M08560

Interior

Bedrooms6 Beds
Full Baths2 Baths
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area2,514 sqft Living Area
Gross Area4,215 sqft
1st Floor Area1,257 sqft
Basement Area1,257 sqft
Unfinished Basement1,257 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeFlat
Roof MaterialOther
Lot Area6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberM08560
Street Address41 SAINT JAMES ST
CityLOWELL
StateMA
Zip01852-5010
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block5460
Legal Lot Number41
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group2
Census Block2007
Census Tract312100

Owner

Source: Middlesex County and Lowell City records · APN M08560

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address41 SAINT JAMES ST, LOWELL, MA 01852-5010
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 29, 2021Deed of Trust, Mortgage · Commercial Mortgage
MIDDLESEX FSLA
Feb 11, 2020Quit Claim Deed, Transfer · Stand-Alone First Mortgage
WEBSTER BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 20, 2024 · Amount on Record
Deed SaleAug 20, 2024 · Amount on Record
Prior SaleFeb 11, 2020 · Amount on Record
Deed Document Number202425179
Deed Book / Page38699 / 39
Record UpdatedJun 08, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address41 SAINT JAMES ST, LOWELL, MA 01852-5010
Transaction TypeMortgage
Record UpdatedOct 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number36313-239
DateSep 29, 2021
Book Page36313/239
Instrument56917
Lender
NameMIDDLESEX FSLA
TypeLending Institution
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateFeb 11, 2020
Property Address41 SAINT JAMES ST, LOWELL, MA 01852-5010
Document Number33826-93
Book / Page33826 / 93
Instrument DateFeb 11, 2020
Instrument6354
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 QUEBEC ST, LOWELL, MA 01852

Mortgage

Document Number6355
DateFeb 11, 2020
Instrument6355
Lender
NameWEBSTER BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2025$6,979.00 (+8.62%)$607,900 (+12.68%) Land $132,500 Building $475,400
2024$6,425.00 (+7.46%)$539,500 (+12.07%) Land $119,500 Building $420,000
2023$5,979.00$481,400 Land $103,900 Building $377,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20

May also be available: AT&T.

Based on FCC filings for 440 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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