439 Riverside St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 439 Riverside St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,539 sqft · built 1930
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$61,000 (Oct 2000)
Tax Bill	$7,460 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R04020`

Property Details

APN / Parcel Number

Primary APN	`R04020`
Alternative APNs	`LOWE M:112 B:4980 L:439` `M:000112 T:R04020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,539 sqft Living Area
Gross Area	3,906 sqft
1st Floor Area	1,432 sqft
Basement Area	1,107 sqft
Unfinished Basement	1,107 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R04020
Street Address	439 RIVERSIDE ST
City	LOWELL
State	MA
Zip	01854-1738
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Subdivision	LOWELL & DRACUT
Legal Block	4980
Legal Lot Number	439
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1004
Census Tract	310500

Owner

439 Riverside St, a duplex, is owned and occupied by two individuals who bought it in October 2000.

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

Owner of Record	2 Individual Names on File
Mailing Address	439 RIVERSIDE ST, LOWELL, MA 01854-1738
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2000 · Amount on File
Deed Sale	Oct 30, 2000 · Amount on File
Deed Book / Page	11139 / 307
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	Jun 2, 2026
Property Address	439 RIVERSIDE ST, LOWELL, MA 01854-1738
Document Number	0000017007
Book / Page	40099 / 1
Instrument Date	May 8, 2026
Instrument	202617007
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 RIVERSIDE ST, LOWELL, MA 01854-1738

Mortgage

Document Number	00040099-1,
Date	Jun 2, 2026
Book Page	40099/1
Instrument	202617007

Lender

Name	JEANNE D'ARC CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 439 Riverside St was $7,460, up 0.8% 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	$7,460.00 (+0.78%)	$657,300 (+1.94%) Land $203,800 Building $453,500	$667,520
2025	$7,402.00 (+11.96%)	$644,800 (+16.16%) Land $198,800 Building $446,000
2024	$6,611.00 (+6.61%)	$555,100 (+11.18%) Land $173,300 Building $381,800
2023	$6,201.00	$499,300 Land $144,000 Building $355,300

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

Flood

FEMA maps place 439 Riverside St in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1978.

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 22 individual policies
Nearby Flood Policies	28 units insured incl. 6 condo units
Nearby Flood Claims	68 (1978–2007)
Claims Outside the SFHA	4 of 68
Most Recent Claim	Apr 2007 · river or lake flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 51 claims Severe Storms & Flooding, Apr 1987 · 11 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

The area around 439 Riverside 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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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