43 Gates St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 43 Gates St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	7 bd · 3.5 ba · 3,274 sqft · built 1950
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Dec 2008)
Tax Bill	$8,568 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L09500`

Property Details

APN / Parcel Number

Primary APN	`L09500`
Alternative APNs	`LOWE M:141 B:2565 L:43` `M:000141 T:L09500`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,274 sqft Living Area
Gross Area	5,730 sqft
1st Floor Area	1,594 sqft
Basement Area	1,594 sqft
Unfinished Basement	1,594 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	5,227 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	L09500
Street Address	43 GATES ST
City	LOWELL
State	MA
Zip	01851-2606
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	2565
Legal Lot Number	43
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2001
Census Tract	311800

Owner

43 Gates St, a duplex, is owned by two individuals who bought it in December 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 GATES ST, LOWELL, MA 01851-2606
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
Jan 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONS LENDING CORP
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONS LENDING CORP
Dec 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2008 · Amount on File
Deed Sale	Dec 5, 2008 · Amount on File
Prior Sale	Sep 20, 2006 · Amount on File
Deed Document Number	200852938
Deed Book / Page	22587 / 144
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	43 GATES ST, LOWELL, MA 01851-2606
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035156-262
Date	Jan 7, 2021
Book Page	35156/262
Instrument	202100000853

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	43 GATES ST, LOWELL, MA 01851-2606
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35235-22
Date	Jan 25, 2021
Book Page	35235/22
Instrument	4478

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	43 GATES ST, LOWELL, MA 01851-2606
Document Number	31732-255
Instrument Date	Dec 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	31732-255
Date	Dec 15, 2017
Book Page	031732/000255
Instrument	56549

Lender

Name	NATIONS LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 14, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 43 Gates St was $8,568, up 5.5% 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	$8,568.00 (+5.5%)	$754,900 (+6.71%) Land $137,200 Building $617,700	$717,596
2025	$8,121.00 (+7.96%)	$707,400 (+12%) Land $121,000 Building $586,400
2024	$7,522.00 (+7.24%)	$631,600 (+11.85%) Land $113,100 Building $518,500
2023	$7,014.00	$564,700 Land $98,300 Building $466,400

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

Flood

FEMA maps place 43 Gates 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 43 Gates 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 571 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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