Middlesex County and Lowell City property record for 45 Talbot St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,059 sqft · built 1888 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $635,000 (Feb 2024) |
| Tax Bill | $6,583 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Feb 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O00400 |
| Primary APN | O00400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,059 sqft Living Area |
| Gross Area | 5,649 sqft |
| 1st Floor Area | 1,522 sqft |
| Attic | Attic |
| Attic Area | 1,025 sqft |
| Basement Area | 1,314 sqft |
| Unfinished Basement | 1,314 sqft |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | O00400 |
|---|---|
| Street Address | 45 TALBOT ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-2820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 5630 |
| Legal Lot Number | 45 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 312502 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Belvidere Hill Historic District listed 1995 · 115 contributing resources · NRIS 95000656 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
| Date | Document |
|---|---|
| Mar 7, 2025 | Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE |
| Feb 7, 2024 | Quit Claim Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Apr 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Sep 29, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage HARVARD UNIV CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 7, 2024 · Amount on Record |
| Deed Sale | Feb 7, 2024 · Amount on Record |
| Prior Sale | Sep 29, 2017 · Amount on Record |
| Deed Book / Page | 38314 / 230 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039108-270 |
|---|---|
| Date | Mar 7, 2025 |
| Book Page | 39108/270 |
| Instrument | 6524 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Feb 7, 2024 |
| Property Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Document Number | 038314-230 |
| Book / Page | 38314 / 230 |
| Instrument Date | Feb 7, 2024 |
| Instrument | 3084 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Document Number | 0000003085 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 3085 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33996-168 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 33996/168 |
| Instrument | 14802 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 29, 2017 |
| Property Address | 45 TALBOT ST, LOWELL, MA 01852-2820 |
| Document Number | 31511-107 |
| Book / Page | 031511 / 000107 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 43381 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,755.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 TALBOT ST LOWELL MA 018522820, LOWELL, MA 01852-2820 |
| Document Number | 31511-109 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 031511/000109 |
| Instrument | 43382 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2047 |
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 | $6,583.00 (+1.57%) | $573,400 (+5.37%) Land $184,000 Building $389,400 | $672,315 (+13.74%) |
| 2024 | $6,481.00 (+6.12%) | $544,200 (+10.68%) Land $179,400 Building $364,800 | $591,090 |
| 2023 | $6,107.00 | $491,700 Land $156,000 Building $335,700 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 | Not rated no wildfire likelihood modeled here |
|---|
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 643 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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