45 Sandy Ln, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 45 Sandy Ln, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,102 sqft · built 1990
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Dec 2024)
Tax Bill	$7,475 (2026)
Deeds & Mortgages	Dec 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`W05710`

Property Details

APN / Parcel Number

Primary APN	`W05710`
Alternative APNs	`LOWE M:21 B:5203 L:45` `M:000021 T:W05710`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,102 sqft Living Area
Gross Area	3,850 sqft
1st Floor Area	864 sqft
Attic	Attic
Attic Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	W05710
Street Address	45 SANDY LN
City	LOWELL
State	MA
Zip	01854-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5203
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 SANDY LN, LOWELL, MA 01854-1126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Sep 27, 2019	Quit Claim Deed, Transfer · FHA Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2024 · Amount on Record
Deed Sale	Dec 13, 2024 · Amount on Record
Prior Sale	Sep 27, 2019 · Amount on Record
Deed Book / Page	38965 / 58
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	45 SANDY LN, LOWELL, MA 01854-1126
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036675-158
Date	Dec 29, 2021
Book Page	36675/158
Instrument	75179

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 27, 2019
Property Address	45 SANDY LN, LOWELL, MA 01854-1126
Document Number	33396-149
Book / Page	033396 / 000149
Instrument Date	Sep 25, 2019
Instrument	41994
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,960.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SANDY LN LOWELL MA 018541126, LOWELL, MA 01854-1126

Mortgage

Document Number	33396-151
Date	Sep 27, 2019
Book Page	033396/000151
Instrument	41995

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2049

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	$7,475.00 (+14.81%)	$658,600 (+16.11%) Land $216,200 Building $442,400	$632,574 (-2.28%)
2025	$6,511.00 (-1.33%)	$567,200 (+2.36%) Land $202,100 Building $365,100	$647,330 (+2.37%)
2024	$6,599.00 (+5.99%)	$554,100 (+10.53%) Land $188,800 Building $365,300	$632,320
2023	$6,226.00	$501,300 Land $164,200 Building $337,100

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 · 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
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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