45 May St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 45 May St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,884 sqft · built 1907
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2003)
Tax Bill	$5,104 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H00777`

Property Details

APN / Parcel Number

Primary APN	`H00777`
Alternative APNs	`LOWE M:194 B:3975 L:45` `M:000194 T:H00777`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,884 sqft Living Area
Gross Area	3,848 sqft
1st Floor Area	942 sqft
Attic	Attic
Attic Area	918 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	H00777
Street Address	45 MAY ST
City	LOWELL
State	MA
Zip	01850-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	3975
Legal Lot Number	45
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5005
Census Tract	310200

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 MAY ST, LOWELL, MA 01850-1616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NATIONSTAR MORTGAGE LLC
Jul 14, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIDELITY COOPERATIVE BANK
Jul 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2003 · Amount on Record
Deed Sale	Jul 30, 2003 · Amount on Record
Prior Sale	Nov 30, 2000 · Amount on Record
Last Transfer Date	Jul 14, 2022
Transfer Doc	0037227-52
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 MAY ST, LOWELL, MA 01850-1616
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038398-59
Date	Mar 29, 2024
Book Page	38398/59
Instrument	8127

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2044

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 14, 2022
Property Address	45 MAY ST, LOWELL, MA 01850-1616
Document Number	0037227-52
Book / Page	37227 / 52
Instrument Date	Jul 14, 2022
Instrument	30066
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 MAY ST, LOWELL, MA 01850-1616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32876-21
Date	Apr 5, 2019
Book Page	32876/21
Instrument	12305

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 MAY ST, LOWELL, MA 01850-1616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34384-48
Date	Jul 21, 2020
Book Page	34384/48
Instrument	32805

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$5,104.00 (+14.88%)	$449,700 (+16.2%) Land $142,400 Building $307,300	$475,259 (+15.62%)
2025	$4,443.00 (+2.61%)	$387,000 (+6.44%) Land $133,100 Building $253,900	$411,065 (+1.22%)
2024	$4,330.00 (+6.21%)	$363,600 (+10.75%) Land $124,400 Building $239,200	$406,125
2023	$4,077.00	$328,300 Land $108,200 Building $220,100

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

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.

Wildfire

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.

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 1,079 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

May also be available: T-Mobile.

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