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440 Lawrence St, Lowell, MA 01852 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,169 sqft · built 1920
Lot Size0.05 acres (2,178 sqft)
Owner2 Individual Names on Record
Last Sale$335,000 (Mar 2025)
Tax Bill$4,583 (2026)
Deeds & MortgagesDec 2019 Refinance
Apr 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APNS17310

Property Details

APN / Parcel Number

Primary APNS17310
Alternative APNs
  • LOWE M:181 B:3520 L:440
  • M:000181 T:S17310

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,169 sqft Living Area
Gross Area1,949 sqft
1st Floor Area753 sqft
Basement Area676 sqft
Unfinished Basement676 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberS17310
Street Address440 LAWRENCE ST
CityLOWELL
StateMA
Zip01852-3513
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeTMU
Legal Block3520
Legal Lot Number440
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1007
Census Tract312100

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 Record2 Individual Names on Record
Mailing Address440 LAWRENCE ST, LOWELL, MA 01852-3513
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

DateDocument
Dec 12, 2019Deed of Trust, Mortgage · Stand-Alone Refinance
RTN FEDERAL CREDIT UNION
Apr 16, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Dec 3, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 11, 2025 · Amount on Record
Deed SaleMar 11, 2025 · Amount on Record
Prior SaleDec 11, 2013
Deed Document Number20256841
Record UpdatedOct 29, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address440 LAWRENCE ST, LOWELL, MA 01852-3513
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number33650-75
DateDec 12, 2019
Book Page33650/75
Instrument55745
Lender
NameRTN FEDERAL CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term133 Months
DueJan 1, 2031

April 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateApr 16, 2020
Property Address440 LAWRENCE ST, LOWELL, MA 01852-3513
Document Number34024-206
Book / Page034024 / 000206
Instrument DateApr 10, 2020
Instrument16033
Transaction TypeTransfer
Record UpdatedMay 5, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address60 BY ST LOWELL MA 018501219, LOWELL, MA 01850-1219

December 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateDec 3, 2019
Property Address440 LAWRENCE ST, LOWELL, MA 01852-3513
Document Number33617-21
Book / Page033617 / 000021
Instrument DateNov 8, 2019
Instrument53856
Transaction TypeTransfer
Record UpdatedDec 17, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address60 BY ST LOWELL MA 018501219, LOWELL, MA 01850-1219

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$4,583.00 (+6.48%)$403,800 (+7.71%) Land $105,700 Building $298,100$359,570 (+13.56%)
2025$4,304.00 (+3.49%)$374,900 (+7.36%) Land $98,800 Building $276,100$316,635 (-8.51%)
2024$4,159.00 (+43.91%)$349,200 (+50.06%) Land $89,100 Building $260,100$346,085
2023$2,890.00$232,700 Land $77,500 Building $155,200

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimJan 1979 · rainfall accumulation

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 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 744 locations within half a mile, as of December 31, 2025

ProviderMax 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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