435 Lowell St, Lexington, MA 02420 Property Records

Middlesex County and Lexington Town property record for 435 Lowell St, Lexington, MA 02420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1955
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$401,850 (Feb 2009)
Tax Bill	$12,716 (2026)
Deeds & Mortgages	Nov 2019 Refinance Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`LEXI M:0054 L:000097`

Property Details

APN / Parcel Number

Primary APN	`LEXI M:0054 L:000097`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
Gross Area	3,522 sqft
1st Floor Area	1,116 sqft
Basement Area	1,228 sqft
Unfinished Basement	1,228 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	435 LOWELL ST
City	LEXINGTON
State	MA
Zip	02420-2266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Lot Number	97
Jurisdiction	LEXINGTON MA
Township / Civil Division	LEXINGTON
Census Block Group	1
Census Block	1021
Census Tract	358500

Owner

435 Lowell St is owned and occupied by two individuals who bought it in February 2009.

Source: Middlesex County and Lexington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	435 LOWELL ST, LEXINGTON, MA 02420-2266
Occupancy	Owner Occupied
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
Nov 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2009 · Amount on File
Deed Sale	Feb 9, 2009 · Amount on File
Prior Sale	Jul 31, 2003 · Amount on File
Deed Document Number	200919478
Deed Book / Page	52206 / 71
Transfer Doc	66516-527
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON MA
Property Address	435 LOWELL ST, LEXINGTON, MA 02420-2266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73664-219
Date	Nov 18, 2019
Book Page	73664/219
Instrument	180117

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2034

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEXINGTON MA
Property Address	435 LOWELL ST, LEXINGTON, MA 02420-2266
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75849-173
Date	Oct 9, 2020
Book Page	75849/173
Instrument	183247

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 435 Lowell St was $12,716, up 3.7% from the year before.

Source: Middlesex County and Lexington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Lexington Town
Unified School District	Lexington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,716.00 (+3.66%)	$1,033,000 (+2.99%) Land $627,000 Building $406,000	$1,078,820 (-)
2025	$12,267.00 (+2.92%)	$1,003,000 (+3.08%) Land $597,000 Building $406,000	$1,078,820 (-4.84%)
2024	$11,919.00 (+1.53%)	$973,000 (+7.75%) Land $568,000 Building $405,000	$1,133,635
2023	$11,739.00	$903,000 Land $517,000 Building $386,000

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

Flood

FEMA maps place 435 Lowell St in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	15 (1982–2010)
Claims Outside the SFHA	8 of 15
Most Recent Claim	Apr 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 7 claims Severe Storms And Flooding, Mar 2001 · 3 claims

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

Wildfire risk around 435 Lowell 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 98% of the US · lower than 96% 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	LEXINGTON WATER DEPT. (MWRA) serves 34,074 people · EPA ID MA3155000
Water Source	Purchased surface water from MWRA
Last State Inspection	Sep 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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