Middlesex County and Lowell City property record for 44 Prospect St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,126 sqft · built 1910 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $425,000 (Aug 2021) |
| Tax Bill | $5,505 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | D00860 |
| Primary APN | D00860 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 3,070 sqft |
| 1st Floor Area | 1,063 sqft |
| Basement Area | 908 sqft |
| Unfinished Basement | 908 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 3,049 sqft (0.07 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | D00860 |
|---|---|
| Street Address | 44 PROSPECT ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-4142 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMF |
| Legal Block | 4775 |
| Legal Lot Number | 44 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 312000 |
Source: Middlesex County and Lowell City records, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 44 PROSPECT ST, LOWELL, MA 01852-4142 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2021 | Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 7, 2017 | Deed of Trust, Mortgage THE WASHINGTON SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Prior Sale | Sep 1, 1992 · Amount on Record |
| Deed Document Number | 202149612 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 23, 2021 |
| Property Address | 44 PROSPECT ST, LOWELL, MA 01852-4142 |
| Document Number | 36164-294 |
| Book / Page | 36164 / 294 |
| Instrument Date | Aug 23, 2021 |
| Instrument | 49612 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 PROSPECT ST, LOWELL, MA 01852-4142 |
| Document Number | 49613 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 49613 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 44 PROSPECT ST, LOWELL, MA 01852-4142 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31448-103 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | 31448/103 |
| Instrument | 39702 |
| Name | THE WASHINGTON SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 1, 2022 |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,505.00 (+8.49%) | $479,500 (+12.56%) Land $109,500 Building $370,000 |
| 2024 | $5,074.00 (+7.48%) | $426,000 (+12.08%) Land $98,800 Building $327,200 |
| 2023 | $4,721.00 | $380,100 Land $85,900 Building $294,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 744 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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