Middlesex County and Lowell City property record for 45 Shadow Dr, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,494 sqft · built 1965 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Nov 2013) |
| Tax Bill | $5,008 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Jul 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | M04450 |
| Primary APN | M04450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,494 sqft Living Area |
| Gross Area | 2,442 sqft |
| 1st Floor Area | 1,107 sqft |
| Basement Area | 1,107 sqft |
| Unfinished Basement | 1,107 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | M04450 |
|---|---|
| Street Address | 45 SHADOW DR |
| City | LOWELL |
| State | MA |
| Zip | 01854-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 5280 |
| Legal Lot Number | 45 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 310601 |
Source: Middlesex County and Lowell City records, as of July 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 SHADOW DR, LOWELL, MA 01854-1328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jul 25, 2018 | Deed of Trust, Mortgage HANSCOM FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2013 · Amount on Record |
| Deed Sale | Nov 27, 2013 · Amount on Record |
| Prior Sale | Jul 31, 2013 · Amount on Record |
| Deed Book / Page | 27852 / 43 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SHADOW DR, LOWELL, MA 01854-1328 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036698-134 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 36698/134 |
| Instrument | 202200000803 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 SHADOW DR, LOWELL, MA 01854-1328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 32268-258 |
|---|---|
| Date | Jul 25, 2018 |
| Book Page | 32268/258 |
| Instrument | 31609 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2048 |
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 |
|---|---|---|---|
| 2025 | $5,008.00 (+5.99%) | $436,200 (+9.96%) Land $165,300 Building $270,900 | $492,765 (+3.74%) |
| 2024 | $4,725.00 (+4.88%) | $396,700 (+9.37%) Land $154,400 Building $242,300 | $475,000 |
| 2023 | $4,505.00 | $362,700 Land $134,300 Building $228,400 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1981–2008) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Feb 2008 · rainfall accumulation |
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.
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 |
| Adjoins Burnable Land | Yes |
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 295 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 |
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