42 Sutherland St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 42 Sutherland St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,770 sqft · built 1910
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Dec 2018)
Tax Bill	$6,939 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`L00990`

Property Details

APN / Parcel Number

Primary APN	`L00990`
Alternative APNs	`LOWE M:172 B:5600 L:42` `M:000172 T:L00990`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,770 sqft Living Area
Gross Area	4,472 sqft
1st Floor Area	1,071 sqft
Basement Area	1,071 sqft
Unfinished Basement	1,071 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	L00990
Street Address	42 SUTHERLAND ST
City	LOWELL
State	MA
Zip	01850-1229
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	5600
Legal Lot Number	42
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1008
Census Tract	310300

Owner

42 Sutherland St, a duplex, is owned and occupied by two individuals who bought it in December 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	42 SUTHERLAND ST, LOWELL, MA 01850-1229
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Oct 20, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Dec 19, 2018	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MORTGAGE CORP
Dec 19, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on File
Deed Sale	Dec 19, 2018 · Amount on File
Prior Sale	Jul 17, 1980 · Amount on File
Deed Book / Page	32653 / 223
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	32653-220
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	42 SUTHERLAND ST, LOWELL, MA 01850-1229
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036406-160
Date	Oct 20, 2021
Book Page	36406/160
Instrument	61497

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	42 SUTHERLAND ST, LOWELL, MA 01850-1229
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36406-160
Date	Oct 20, 2021
Book Page	36406/160
Instrument	61497

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 19, 2018
Property Address	42 SUTHERLAND ST, LOWELL, MA 01850-1229
Document Number	32653-223
Book / Page	32653 / 223
Instrument Date	Dec 19, 2018
Instrument	55268
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	42 SUTHERLAND ST # 44, 44, LOWELL, MA 01850-1229

Mortgage

Document Number	55269
Date	Dec 19, 2018
Instrument	55269

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 19, 2018
Property Address	42 SUTHERLAND ST, LOWELL, MA 01850-1229
Document Number	32653-220
Book / Page	032653 / 000220
Instrument Date	Dec 10, 2018
Instrument	55267
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 SUTHERLAND ST LOWELL MA 018501229, LOWELL, MA 01850-1229

Tax Assessment & Valuation

The 2026 property tax bill for 42 Sutherland St was $6,939, up 4.5% 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	$6,939.00 (+4.52%)	$611,400 (+5.72%) Land $134,600 Building $476,800	$661,638
2025	$6,639.00 (+6.19%)	$578,300 (+10.17%) Land $125,800 Building $452,500
2024	$6,252.00 (+7.52%)	$524,900 (+12.11%) Land $125,000 Building $399,900
2023	$5,815.00	$468,200 Land $108,700 Building $359,500

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

Flood

FEMA maps place 42 Sutherland 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

Wildfire risk around 42 Sutherland 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.

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 484 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

May also be available: T-Mobile.

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