Middlesex County and Lowell City property record for 46 Cork St, Lowell, MA 01854
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,208 sqft · built 1900 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $605,000 (Aug 2025) |
| Tax Bill | $5,504 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Oct 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A90825 |
| Primary APN | A90825 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,208 sqft Living Area |
| Gross Area | 3,457 sqft |
| 1st Floor Area | 736 sqft |
| Basement Area | 736 sqft |
| Unfinished Basement | 736 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Other |
| Lot Area | 1,742 sqft (0.04 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | A90825 |
|---|---|
| Street Address | 46 CORK ST |
| City | LOWELL |
| State | MA |
| Zip | 01854-4227 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | UMF |
| Legal Block | 1498 |
| Legal Lot Number | 46 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 311100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within 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.
46 Cork St, a duplex, is owned by two individuals who bought it in August 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19 WESTON ST, LEXINGTON, MA 02421-7705 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 6, 2025 | Quit Claim Deed, Transfer DEEPHAVEN MTG LLC |
| Oct 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MLD MORTGAGE INC |
| Jun 24, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Sep 6, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE EQUITY PTRS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2025 · Amount on File |
| Deed Sale | Aug 6, 2025 · Amount on File |
| Prior Sale | Sep 6, 2018 · Amount on File |
| Deed Book / Page | 39438 / 253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 6, 2025 |
| Property Address | 46 CORK ST, LOWELL, MA 01854-4227 |
| Document Number | 039438-253 |
| Book / Page | 39438 / 253 |
| Instrument Date | Aug 6, 2025 |
| Instrument | 24632 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 19 WESTON ST, LEXINGTON, MA 02421-7705 |
| Document Number | 0000024633 |
|---|---|
| Date | Aug 6, 2025 |
| Instrument | 24633 |
| Name | DEEPHAVEN MTG LLC |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 46 CORK ST, LOWELL, MA 01854-4227 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0034804-33 |
|---|---|
| Date | Oct 22, 2020 |
| Book Page | 34804/33 |
| Instrument | 53138 |
| Name | MLD MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 24, 2022 |
| Property Address | 46 CORK ST, LOWELL, MA 01854-4227 |
| Document Number | 037176-278 |
| Book / Page | 37176 / 278 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 27168 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 89 ELM ST, WAKEFIELD, MA 01880-1557 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 6, 2018 |
| Property Address | 46 CORK ST, LOWELL, MA 01854-4227 |
| Document Number | 32388-219 |
| Book / Page | 032388 / 000219 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 39057 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,276.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 46 CORK ST LOWELL MA 018544227, LOWELL, MA 01854-4227 |
| Document Number | 32388-222 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 032388/000222 |
| Instrument | 39058 |
| Name | MORTGAGE EQUITY PTRS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 5, 2048 |
The 2026 property tax bill for 46 Cork St was $5,504, up 3.2% from the year before.
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 |
|---|---|---|---|
| 2026 | $5,504.00 (+3.17%) | $484,900 (+4.35%) Land $76,400 Building $408,500 | $572,138 |
| 2025 | $5,335.00 (+9.32%) | $464,700 (+13.42%) Land $76,900 Building $387,800 | |
| 2024 | $4,880.00 (+7.18%) | $409,700 (+11.76%) Land $66,700 Building $343,000 | |
| 2023 | $4,553.00 | $366,600 Land $58,000 Building $308,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Cork St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 2 (2001–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jul 2013 · river or lake 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.
The area around 46 Cork 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 Risk | Not rated no burnable land within ember reach |
|---|
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 468 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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