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440 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 440 Central St, Lowell, MA 01852

Property Summary

Property TypeResidential Multi-Family (5+ Units)
Details4 bd · 2.5 ba · 2,766 sqft · built 1900
Lot Size0.1 acres (4,356 sqft)
OwnerCompany Name on Record
Last Sale$445,000 (Jul 2018)
Tax Bill$8,618 (2026)
Deeds & MortgagesJan 2022 Refinance
Mar 2020 Refinance
+ 2 more
Flood ZoneZone X (minimal risk)
APNH04230

Property Details

APN / Parcel Number

Primary APNH04230
Alternative APNs
  • LOWE M:180 B:1125 L:440
  • M:000180 T:H04230

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Units2 Units
Stories2 Stories
Building Area2,766 sqft Living Area
Gross Area3,641 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area4,356 sqft (0.1 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberH04230
Street Address440 CENTRAL ST
CityLOWELL
StateMA
Zip01852-2611
Property CategoryResidential
Property TypeResidential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning CodeTMU
Legal Block1125
Legal Lot Number440
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1002
Census Tract311900

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 RecordCompany Name on Record
Mailing Address49 LINCOLN ST, WALTHAM, MA 02451-0908
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Jan 21, 2022Deed of Trust, Mortgage · Stand-Alone Refinance
JEANNE D ARC CU
Mar 23, 2020Quit Claim Deed, Transfer · Stand-Alone Refinance
LEADER BANK NA
Jul 10, 2018Quit Claim Deed, Transfer
DITECH FINANCIAL LLC
Jun 5, 2018Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 10, 2018 · Amount on Record
Deed SaleJul 10, 2018 · Amount on Record
Prior SaleAug 24, 1979 · Amount on Record
Deed Book / Page32229 / 151
Last Transfer DateMar 19, 2020
Transfer Doc33936-270
Record UpdatedOct 29, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address440 CENTRAL ST, LOWELL, MA 01852-2611
Transaction TypeMortgage
Record UpdatedJan 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number036743-229
DateJan 21, 2022
Book Page36743/229
Instrument3282
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateMar 23, 2020
Property Address440 CENTRAL ST, LOWELL, MA 01852-2611
Document Number033936-270
Book / Page33936 / 270
Instrument DateMar 19, 2020
Instrument12134
Transaction TypeTransfer
Record UpdatedJul 29, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address49 LINCOLN ST, WALTHAM, MA 02451-0908

Mortgage

Document Number033936-274
DateMar 23, 2020
Book Page33936/274
Instrument12135
Lender
NameLEADER BANK NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateJul 10, 2018
Property Address440 CENTRAL ST, LOWELL, MA 01852-2611
Document Number032229-151
Book / Page32229 / 151
Instrument29129
Transaction TypeTransfer
Record UpdatedJul 29, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$33.72
Amount AccuracyNon-Arm's Length Transaction
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 CENTRAL ST, LOWELL, MA 01852-2611

Mortgage

Document Number0322290154
DateJul 10, 2018
Instrument32229/0154
Lender
NameDITECH FINANCIAL LLC
Agreement
AmountAmount Recorded
Term360 Months
DueJul 10, 2048

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateJun 5, 2018
Property Address440 CENTRAL ST, LOWELL, MA 01852-2611
Document Number32128-12
Book / Page032128 / 000012
Instrument DateMay 4, 2018
Instrument22756
Transaction TypeTransfer
Record UpdatedOct 1, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address440 CENTRAL ST LOWELL MA 018522611, LOWELL, MA 01852-2611

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$8,618.00 (+5.28%)$759,300 (+6.48%) Land $123,800 Building $635,500$702,183
2025$8,186.00 (+7.02%)$713,100 (+11.04%) Land $115,700 Building $597,400
2024$7,649.00 (+6.24%)$642,200 (+10.78%) Land $104,400 Building $537,800
2023$7,200.00$579,700 Land $90,800 Building $488,900

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 410 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fiber · Fixed Wireless		980 / 880
AT&T
Fixed Wireless		100 / 20

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