Middlesex County and Lowell City property record for 46 Main St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,207 sqft · built 1920 |
| Lot Size | 0.03 acres (1,307 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Dec 2025) |
| Tax Bill | $3,885 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Jun 2022 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | O02690 |
| Primary APN | O02690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,207 sqft Living Area |
| Gross Area | 1,707 sqft |
| 1st Floor Area | 608 sqft |
| Basement Area | 584 sqft |
| Unfinished Basement | 584 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,307 sqft (0.03 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | O02690 |
|---|---|
| Street Address | 46 MAIN ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-4448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 3800 |
| Legal Lot Number | 46 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 312200 |
46 Main St is owned and occupied by an individual who bought it in December 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO |
| Jun 7, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU |
| Dec 29, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jul 5, 2017 | Deed of Trust, Mortgage DIGITAL FCU |
| Feb 14, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Mar 29, 2018 | Quit Claim Deed, Transfer SANTANDER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on File |
| Deed Sale | Dec 29, 2025 · Amount on File |
| Prior Sale | Mar 29, 2018 · Amount on File |
| Deed Book / Page | 39770 / 120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0036204-70 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 36204/70 |
| Instrument | 51573 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037127-130 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 37127/130 |
| Instrument | 24316 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 29, 2025 |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Document Number | 039770-120 |
| Book / Page | 39770 / 120 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 42181 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 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 |
|---|---|
| Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Document Number | 0000042182 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 42182 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 31266-43 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 31266/43 |
| Instrument | 28595 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33838-226 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | 33838/226 |
| Instrument | 7019 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Mar 29, 2018 |
| Property Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Document Number | 31963-45 |
| Book / Page | 31963 / 45 |
| Instrument | 12327 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21.17 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 MAIN ST, LOWELL, MA 01852-4448 |
| Document Number | 319630046 |
|---|---|
| Date | Mar 29, 2018 |
| Instrument | 31963/0046 |
| Name | SANTANDER BANK NA |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2048 |
The 2026 property tax bill for 46 Main St was $3,885, up 7.4% 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 | $3,885.00 (+7.44%) | $342,300 (+8.67%) Land $118,300 Building $224,000 | $359,662 (+3.16%) |
| 2025 | $3,616.00 (+2.49%) | $315,000 (+6.35%) Land $107,400 Building $207,600 | $348,650 (+1.92%) |
| 2024 | $3,528.00 (+6.11%) | $296,200 (+10.65%) Land $100,400 Building $195,800 | $342,095 |
| 2023 | $3,325.00 | $267,700 Land $87,300 Building $180,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Main St in Zone X, an area of minimal flood risk.
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 Policies | 1 in force |
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 Main 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 416 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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