438 Pawtucket St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 438 Pawtucket St, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,614 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2016)
Tax Bill	$4,464 (2026)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 4 more
Flood Zone	Zone X (moderate risk)
APN	`M04570`

Property Details

APN / Parcel Number

Primary APN	`M04570`
Alternative APNs	`LOWE M:99 B:4550 L:438` `M:000099 T:M04570`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,614 sqft Living Area
Gross Area	2,489 sqft
1st Floor Area	822 sqft
Basement Area	822 sqft
Unfinished Basement	822 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M04570
Street Address	438 PAWTUCKET ST
City	LOWELL
State	MA
Zip	01854-3110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	4550
Legal Lot Number	438
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	310700

Historic Designation

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.

Owner

438 Pawtucket St is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
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 1, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK
Nov 1, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK
Jul 17, 2018	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Apr 22, 2019	Deed of Trust, Mortgage JEANNE D'ARC CU
Apr 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU
Dec 7, 2018	Deed of Trust, Mortgage · FHA Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2016 · Amount on File
Deed Sale	Aug 1, 2016 · Amount on File
Prior Sale	Jan 3, 2006 · Amount on File
Deed Book / Page	30289 / 61
Last Transfer Date	Oct 26, 2021
Transfer Doc	0036453-73
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 1, 2021
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Document Number	36453-73
Book / Page	36453 / 73
Instrument Date	Oct 26, 2021
Instrument	63758
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110

Mortgage

Document Number	36453-76
Date	Nov 1, 2021
Book Page	36453/76
Instrument	63759

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 1, 2021
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Document Number	0036453-73
Book / Page	36453 / 73
Instrument Date	Oct 26, 2021
Instrument	63758
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110

Mortgage

Document Number	0000063759
Date	Nov 1, 2021
Instrument	63759

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32245-269
Date	Jul 17, 2018
Book Page	32245/269
Instrument	30132

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Document Number	32928-45
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 PAWTUCKET ST LOWELL MA 018543110, LOWELL, MA 01854-3110

Mortgage

Document Number	32928-45
Date	Apr 29, 2019
Book Page	032928/000045
Instrument	15542

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Document Number	32928-66
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 PAWTUCKET ST LOWELL MA 018543110, LOWELL, MA 01854-3110

Mortgage

Document Number	32928-66
Date	Apr 29, 2019
Book Page	032928/000066
Instrument	15543

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Apr 28, 2044

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	438 PAWTUCKET ST, LOWELL, MA 01854-3110
Document Number	32639-46
Instrument Date	Dec 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 PAWTUCKET ST LOWELL MA 018543110, LOWELL, MA 01854-3110

Mortgage

Document Number	32639-46
Date	Dec 13, 2018
Book Page	032639/000046
Instrument	54392

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 438 Pawtucket St was $4,464, up 10.8% 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	$4,464.00 (+10.82%)	$393,300 (+12.08%) Land $130,400 Building $262,900	$408,792 (-4.82%)
2025	$4,028.00 (+2.55%)	$350,900 (+6.4%) Land $107,500 Building $243,400	$429,495 (+38.98%)
2024	$3,928.00 (+6.02%)	$329,800 (+10.56%) Land $100,500 Building $229,300	$309,035
2023	$3,705.00	$298,300 Land $87,400 Building $210,900

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

Flood

FEMA maps place 438 Pawtucket St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 438 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 97% of the US · lower than 94% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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