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45 Varney St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 45 Varney St, Lowell, MA 01854

Property Summary

Property TypeTriplex
Details6 bd · 3 ba · 2,064 sqft · built 1870
Lot Size0.08 acres (3,485 sqft)
OwnerIndividual Name on File
Last Sale$484,500 (Feb 2022)
Tax Bill$6,176 (2026)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APNA02840

Property Details

APN / Parcel Number

Primary APNA02840
Alternative APNs
  • LOWE M:118 B:5875 L:45
  • M:000118 T:A02840

Interior

Bedrooms6 Beds
Full Baths3 Baths
Total Rooms12 Rooms
Units3 Units
Stories2 Stories
Building Area2,064 sqft Living Area
Gross Area3,300 sqft
1st Floor Area1,032 sqft
Basement Area1,032 sqft
Unfinished Basement1,032 sqft

Exterior

Year BuiltBuilt 1870
Effective Year BuiltEffective 1870
Architectural StyleOther
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialSlate
Lot Area3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Account NumberA02840
Street Address45 VARNEY ST
CityLOWELL
StateMA
Zip01854-3474
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeTMF
Legal Block5875
Legal Lot Number45
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group3
Census Block3007
Census Tract310700

Historic Designation

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

Historic DistrictWithin the Lowell National Historical Park
listed 1978 · 8 contributing resources · NRIS 78003149

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

Owner

45 Varney St, a triplex, is owned by an individual who bought it in February 2022.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of RecordIndividual Name on File
Mailing Address12 W ALBERT ST, LOWELL, MA 01851-5012
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Feb 17, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
WASHINGTON SAVINGS BANK
Dec 23, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 17, 2022 · Amount on File
Deed SaleFeb 17, 2022 · Amount on File
Prior SaleSep 9, 2010 · Amount on File
Deed Book / Page36825 / 18
Record UpdatedOct 29, 2026

February 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateFeb 17, 2022
Property Address45 VARNEY ST, LOWELL, MA 01854-3474
Document Number0036825-18
Book / Page36825 / 18
Instrument DateFeb 17, 2022
Instrument7665
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 9834, LOWELL, MA 01853-7834

Mortgage

Document Number0000007666
DateFeb 17, 2022
Instrument7666
Lender
NameWASHINGTON SAVINGS BANK
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateDec 23, 2020
Property Address45 VARNEY ST, LOWELL, MA 01854-3474
Document Number35101-159
Book / Page035101 / 000159
Instrument DateDec 15, 2020
Instrument67551
Transaction TypeTransfer
Record UpdatedJan 12, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 9834 LOWELL MA 018537834, LOWELL, MA 01853-7834

Tax Assessment & Valuation

The 2026 property tax bill for 45 Varney St was $6,176, up 7.1% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$6,176.00 (+7.15%)$544,100 (+8.36%) Land $117,000 Building $427,100
2025$5,764.00 (+4.82%)$502,100 (+8.75%) Land $96,500 Building $405,600
2024$5,499.00 (+2.08%)$461,700 (+6.46%) Land $90,200 Building $371,500
2023$5,387.00$433,700 Land $78,400 Building $355,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 45 Varney St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1978)
Most Recent ClaimFeb 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.

Wildfire

The area around 45 Varney St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 434 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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