45 Johnson St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 45 Johnson St, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,452 sqft · built 1960
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,088 (2026)
Deeds & Mortgages	Oct 2017 Mortgage May 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C01475`

Property Details

APN / Parcel Number

Primary APN	`C01475`
Alternative APNs	`LOWE M:21 B:3285 L:45` `M:000021 T:C01475`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	2,785 sqft
1st Floor Area	1,020 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	C01475
Street Address	45 JOHNSON ST
City	LOWELL
State	MA
Zip	01854-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	WALTER W JOHNSON
Legal Block	3285
Legal Lot Number	45
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1004
Census Tract	310601

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 Record	2 Individual Names on Record
Mailing Address	45 JOHNSON ST, LOWELL, MA 01854-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCE AMERICA
May 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 JOHNSON ST, LOWELL, MA 01854-1103
Document Number	31609-49
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	31609-49
Date	Nov 2, 2017
Book Page	031609/000049
Instrument	49114

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Nov 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	4.87%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 12, 2017
Property Address	45 JOHNSON ST, LOWELL, MA 01854-1103
Document Number	31112-279
Book / Page	031112 / 000279
Instrument	19391
Transaction Type	Transfer
Record Updated	May 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 JOHNSON PL LOWELL MA 01850, LOWELL, MA 01850

Tax Assessment & Valuation

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	$5,088.00 (+3.94%)	$448,300 (+5.14%) Land $171,100 Building $277,200	$499,558 (-33.39%)
2025	$4,895.00 (+5.25%)	$426,400 (+9.19%) Land $160,000 Building $266,400	$749,930 (-1.45%)
2024	$4,651.00 (+2.26%)	$390,500 (+6.64%) Land $149,500 Building $241,000	$760,950
2023	$4,548.00	$366,200 Land $130,000 Building $236,200

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1979–2006)
Claims Outside the SFHA	2 of 6
Most Recent Claim	May 2006 · Severe Storms And Flooding

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 Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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