Middlesex County and Lowell City property record for 45 Saint James St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,554 sqft · built 1920 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,199 (Jun 2012) |
| Tax Bill | $5,792 (2025) |
| Deeds & Mortgages | Oct 2022 Refinance Jul 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B14060 |
| Primary APN | B14060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,554 sqft Living Area |
| Gross Area | 4,043 sqft |
| 1st Floor Area | 987 sqft |
| Basement Area | 987 sqft |
| Unfinished Basement | 987 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Asbestos |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | B14060 |
|---|---|
| Street Address | 45 SAINT JAMES ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-5010 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TTF |
| Legal Subdivision | ESTATE MEADOWCROTT & ELIZABETH |
| Legal Block | 5460 |
| Legal Lot Number | 45 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 312100 |
Source: Middlesex County and Lowell City records · APN B14060
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION |
| Jul 11, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ALIGN CREDIT UNION |
| May 05, 2025 | Deed of Trust, Mortgage · Line of Credit ALIGN CREDIT UNION |
| Feb 15, 2019 | Deed of Trust, Mortgage · Line of Credit ALIGN CU |
| Jun 27, 2017 | Deed of Trust, Mortgage · Line of Credit ALIGN CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2012 · Amount on Record |
| Deed Sale | Jun 08, 2012 · Amount on Record |
| Prior Sale | Jun 08, 2011 · Amount on Record |
| Deed Book / Page | 26072 / 83 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037467-142 |
|---|---|
| Date | Oct 25, 2022 |
| Book Page | 37467/142 |
| Instrument | 44166 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037943-124 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 37943/124 |
| Instrument | 19877 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039228-108 |
|---|---|
| Date | May 05, 2025 |
| Book Page | 39228/108 |
| Instrument | 13073 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Document Number | 32802-100 |
| Instrument Date | Feb 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2019 |
| Name | Verified Name |
|---|---|
| Address | 45 SAINT JAMES ST LOWELL MA 018525010, LOWELL, MA 01852-5010 |
| Document Number | 32802-100 |
|---|---|
| Date | Mar 01, 2019 |
| Book Page | 032802/000100 |
| Instrument | 7802 |
| Name | ALIGN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SAINT JAMES ST, LOWELL, MA 01852-5010 |
| Document Number | 31287-107 |
| Book / Page | 031287 / 000107 |
| Instrument Date | Jun 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2017 |
| Name | Verified Name |
|---|
| Document Number | 31287-107 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 031287/000107 |
| Instrument | 29873 |
| Name | ALIGN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,792.00 (+8.4%) | $504,500 (+12.46%) Land $136,700 Building $367,800 |
| 2024 | $5,343.00 (+7.59%) | $448,600 (+12.21%) Land $123,300 Building $325,300 |
| 2023 | $4,966.00 | $399,800 Land $107,200 Building $292,600 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
May also be available: AT&T.
Based on FCC filings for 440 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA3160000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOWELL REGIONAL WATER UTILITY serves 120,418 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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