Middlesex County and Lowell City property record for 45 Harvard St, Lowell, MA 01851
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 8 bd · 4 ba · 5,038 sqft · built 1900 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $106,500 (Oct 1996) |
| Tax Bill | $10,514 (2026) |
| Deeds & Mortgages | Sep 2023 Refinance Dec 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | S00433 |
| Primary APN | S00433 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 18 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 5,038 sqft Living Area |
| Gross Area | 7,407 sqft |
| 1st Floor Area | 1,809 sqft |
| Basement Area | 1,759 sqft |
| Unfinished Basement | 1,759 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,068 sqft (0.3 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | S00433 |
|---|---|
| Street Address | 45 HARVARD ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-1745 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | TSF |
| Legal Block | 2895 |
| Legal Lot Number | 45 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 311300 |
45 Harvard St, a residential property, is owner-occupied and held in a trust since December 2021.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 45 HARVARD ST, LOWELL, MA 01851-1745 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | 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 |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Dec 27, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 1996 · Amount on File |
| Deed Sale | Oct 31, 1996 · Amount on File |
| Prior Sale | Oct 1, 1993 · Amount on File |
| Last Transfer Date | Dec 27, 2021 |
| Transfer Doc | 0036666-67 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 HARVARD ST, LOWELL, MA 01851-1745 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 038065-271 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | 38065/271 |
| Instrument | 26943 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 27, 2021 |
| Property Address | 45 HARVARD ST, LOWELL, MA 01851-1745 |
| Document Number | 0036666-67 |
| Book / Page | 36666 / 67 |
| Instrument Date | Dec 27, 2021 |
| Instrument | 74653 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 HARVARD ST, LOWELL, MA 01851-1745 |
The 2026 property tax bill for 45 Harvard St was $10,514, up 13.7% 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 |
|---|---|---|
| 2026 | $10,514.00 (+13.69%) | $926,300 (+14.98%) Land $216,200 Building $710,100 |
| 2025 | $9,248.00 (+0.64%) | $805,600 (+4.42%) Land $202,100 Building $603,500 |
| 2024 | $9,189.00 (-0.91%) | $771,500 (+3.34%) Land $190,600 Building $580,900 |
| 2023 | $9,273.00 | $746,600 Land $165,700 Building $580,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 45 Harvard St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1979–1991) |
| Most Recent Claim | Aug 1991 · Hurricane Bob |
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 45 Harvard 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 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 |
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