45 Monadnock Ave, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 45 Monadnock Ave, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,754 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$785,000 (Nov 2023)
Tax Bill	$8,854 (2026)
Deeds & Mortgages	Aug 2024 Refinance Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S04510`

Property Details

APN / Parcel Number

Primary APN	`S04510`
Alternative APNs	`LOWE M:74 B:4125 L:45` `M:000074 T:S04510`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,754 sqft Living Area
Gross Area	6,065 sqft
1st Floor Area	1,401 sqft
Basement Area	1,401 sqft
Unfinished Basement	1,401 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S04510
Street Address	45 MONADNOCK AVE
City	LOWELL
State	MA
Zip	01851-2318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4125
Legal Lot Number	45
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2005
Census Tract	311400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Nov 17, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS
Jan 15, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BOSTON PRIVATE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Jan 15, 2021 · Amount on Record
Deed Book / Page	38192 / 180
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038671-278
Date	Aug 7, 2024
Book Page	38671/278
Instrument	23559

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 17, 2023
Property Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318
Document Number	038192-180
Book / Page	38192 / 180
Instrument Date	Nov 17, 2023
Instrument	34416
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318

Mortgage

Document Number	0000034417
Date	Nov 17, 2023
Instrument	34417

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 15, 2021
Property Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318
Document Number	35194-105
Book / Page	35194 / 105
Instrument Date	Jan 5, 2021
Instrument	2646
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MONADNOCK AVE, LOWELL, MA 01851-2318

Mortgage

Document Number	2647
Date	Jan 15, 2021
Instrument	2647

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,854.00 (+8%)	$780,100 (+9.24%) Land $229,600 Building $550,500	$744,695 (-9.35%)
2025	$8,198.00 (+0.74%)	$714,100 (+4.51%) Land $214,600 Building $499,500	$821,465 (+12.4%)
2024	$8,138.00 (+5.51%)	$683,300 (+10.03%) Land $183,800 Building $499,500	$730,835
2023	$7,713.00	$621,000 Land $159,800 Building $461,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	19 (1979–2023)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 7 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 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

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 340 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

May also be available: AT&T, T-Mobile.

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