Middlesex County and Lowell City property record for 442 E Merrimack St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 4,511 sqft · built 1900 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $110,000 (Oct 1994) |
| Tax Bill | $9,587 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C05440 |
| Primary APN | C05440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,511 sqft Living Area |
| Gross Area | 6,924 sqft |
| 1st Floor Area | 1,611 sqft |
| Basement Area | 1,611 sqft |
| Unfinished Basement | 1,611 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 20,038 sqft (0.46 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | C05440 |
|---|---|
| Street Address | 442 E MERRIMACK ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-1449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 1950 |
| Legal Lot Number | 442 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 312501 |
442 E Merrimack St is owner-occupied and held in a trust since September 2024.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 442 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST CO |
| Mar 9, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST CO |
| Mar 6, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST CO |
| Mar 6, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 1994 · Amount on File |
| Deed Sale | Oct 6, 1994 · Amount on File |
| Deed Book / Page | 7254 / 176 |
| Last Transfer Date | Sep 28, 2024 |
| Transfer Doc | 038799-177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 442 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039907-140 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | 39907/140 |
| Instrument | 6828 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 442 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039907-109 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | 39907/109 |
| Instrument | 6826 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 442 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000329199 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 329199 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 442 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000329197 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 329197 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 442 E Merrimack St was $9,587, up 8.4% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,587.00 (+8.4%) | $844,700 (+9.64%) Land $217,600 Building $627,100 | $712,464 |
| 2025 | $8,844.00 (+0.25%) | $770,400 (+4.01%) Land $189,800 Building $580,600 | |
| 2024 | $8,822.00 (+6.79%) | $740,700 (+11.37%) Land $193,700 Building $547,000 | $900,125 |
| 2023 | $8,261.00 | $665,100 Land $162,100 Building $503,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 442 E Merrimack St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | May 1983 · tidal / storm surge |
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.
The area around 442 E Merrimack 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.
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 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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