44 Fred St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 44 Fred St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,593 sqft · built 1930
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Jan 2024)
Tax Bill	$5,021 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T02880`

Property Details

APN / Parcel Number

Primary APN	`T02880`
Alternative APNs	`LOWE M:132 B:2450 L:44` `M:000132 T:T02880`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
Gross Area	3,008 sqft
1st Floor Area	1,076 sqft
Basement Area	1,036 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
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	Oil

Location & Zoning

Account Number	T02880
Street Address	44 FRED ST
City	LOWELL
State	MA
Zip	01850-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2450
Legal Lot Number	44
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5011
Census Tract	310300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	44 FRED ST, LOWELL, MA 01850-1106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 26, 2024 · Amount on Record
Deed Sale	Jan 26, 2024 · Amount on Record
Prior Sale	Apr 28, 1995 · Amount on Record
Deed Document Number	20242130
Deed Book / Page	38298 / 54
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 26, 2024
Property Address	44 FRED ST, LOWELL, MA 01850-1106
Document Number	0038298-54
Book / Page	38298 / 54
Instrument Date	Jan 26, 2024
Instrument	2130
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000002131
Date	Jan 26, 2024
Instrument	2131

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,021.00 (+8.26%)	$442,400 (+9.5%) Land $144,100 Building $298,300	$493,343 (+17.28%)
2025	$4,638.00 (+4.91%)	$404,000 (+8.84%) Land $127,600 Building $276,400	$420,660 (+9.14%)
2024	$4,421.00 (+8.12%)	$371,200 (+12.76%) Land $113,900 Building $257,300	$385,415
2023	$4,089.00	$329,200 Land $92,200 Building $237,000

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

Flood

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
Nearby Flood Policies	1 in force

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

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 633 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20