45 Burnside St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 45 Burnside St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1956
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$127,000 (Oct 1988)
Tax Bill	$5,433 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`R07190`

Property Details

APN / Parcel Number

Primary APN	`R07190`
Alternative APNs	`LOWE M:72 B:890 L:45` `M:000072 T:R07190`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,664 sqft
1st Floor Area	928 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R07190
Street Address	45 BURNSIDE ST
City	LOWELL
State	MA
Zip	01851-1609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	890
Legal Lot Number	45
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1004
Census Tract	311400

Owner

45 Burnside St is owned and occupied by two individuals who bought it in October 1988.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 BURNSIDE ST, LOWELL, MA 01851-1609
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 1988 · Amount on File
Deed Sale	Oct 14, 1988 · Amount on File
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 BURNSIDE ST, LOWELL, MA 01851-1609
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039494-214
Date	Sep 4, 2025
Book Page	39494/214
Instrument	27684

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 45 Burnside St was $5,433, up 4.1% from the year before.

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	$5,433.00 (+4.1%)	$478,700 (+5.3%) Land $196,000 Building $282,700	$484,658 (+10.93%)
2025	$5,219.00 (+5.12%)	$454,600 (+9.04%) Land $183,100 Building $271,500	$436,905 (+1.46%)
2024	$4,965.00 (+2.6%)	$416,900 (+7.01%) Land $171,200 Building $245,700	$430,635
2023	$4,839.00	$389,600 Land $148,800 Building $240,800

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

Flood

FEMA maps place 45 Burnside St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1978–2006)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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

Wildfire risk around 45 Burnside St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 240 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20