Middlesex County and Lowell City property record for 45 Luce St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,488 sqft · built 1925 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $622,000 (Dec 2025) |
| Tax Bill | $5,762 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | L06440 |
| Primary APN | L06440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Living Area |
| Gross Area | 2,350 sqft |
| 1st Floor Area | 792 sqft |
| Basement Area | 792 sqft |
| Unfinished Basement | 792 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | L06440 |
|---|---|
| Street Address | 45 LUCE ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 3730 |
| Legal Lot Number | 45 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 312502 |
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 LUCE ST, LOWELL, MA 01852-3011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed of Trust, Mortgage · Line of Credit WORKERS CU |
| Dec 15, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jul 27, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK |
| Jul 13, 2018 | Quit Claim Deed, Transfer THE WASHINGTON SAVINGS BANK FSB |
| Apr 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MARK LEDOUX |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2025 · Amount on Record |
| Deed Sale | Dec 15, 2025 · Amount on Record |
| Prior Sale | Jul 13, 2018 · Amount on Record |
| Deed Document Number | 202540599 |
| Deed Book / Page | 39739 / 198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039643-146 |
|---|---|
| Date | Nov 4, 2025 |
| Book Page | 39643/146 |
| Instrument | 35587 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 15, 2025 |
| Property Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Document Number | 039739-198 |
| Book / Page | 39739 / 198 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 40599 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Document Number | 0000040600 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 40600 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34413-107 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 34413/107 |
| Instrument | 34230 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2030 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 13, 2018 |
| Property Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Document Number | 32240-190 |
| Book / Page | 32240 / 190 |
| Instrument | 29783 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38.77 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Document Number | 322400193 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 32240/0193 |
| Name | THE WASHINGTON SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 LUCE ST, LOWELL, MA 01852-3011 |
| Document Number | 32038-49 |
| Instrument Date | Apr 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 LUCE ST LOWELL MA 018523011, LOWELL, MA 01852-3011 |
| Document Number | 32038-49 |
|---|---|
| Date | Apr 30, 2018 |
| Book Page | 032038/000049 |
| Instrument | 167 |
| Name | MARK LEDOUX |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $5,762.00 (+6.33%) | $507,700 (+7.56%) Land $215,800 Building $291,900 | $601,143 (+36.11%) |
| 2025 | $5,419.00 (+2.59%) | $472,000 (+6.43%) Land $201,600 Building $270,400 | $441,655 (+5.44%) |
| 2024 | $5,282.00 (+6.69%) | $443,500 (+11.26%) Land $188,500 Building $255,000 | $418,855 |
| 2023 | $4,951.00 | $398,600 Land $163,900 Building $234,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures