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46 W 3rd St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 46 W 3rd St, Lowell, MA 01850

Property Summary

Property TypeDuplex
Details6 bd · 2 ba · 2,577 sqft · built 1910
Lot Size0.04 acres (1,742 sqft)
OwnerIndividual Name on File
Last Sale$380,000 (Nov 2021)
Tax Bill$5,551 (2026)
Deeds & MortgagesNov 2021 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APNM07070

Property Details

APN / Parcel Number

Primary APNM07070
Alternative APNs
  • LOWE M:176 B:6050 L:46
  • M:000176 T:M07070

Interior

Bedrooms6 Beds
Full Baths2 Baths
Total Rooms12 Rooms
Units2 Units
Stories2 Stories
Building Area2,577 sqft Living Area
Gross Area4,001 sqft
1st Floor Area998 sqft
Basement Area998 sqft
Unfinished Basement998 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberM07070
Street Address46 W 3RD ST
CityLOWELL
StateMA
Zip01850-2442
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeUSF
Legal Block6050
Legal Lot Number46
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1011
Census Tract310400

Owner

46 W 3rd St, a duplex, is owned by an individual who bought it in November 2021.

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

Owner of RecordIndividual Name on File
Mailing Address11 GANNON TER, FRAMINGHAM, MA 01702-6111
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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 15, 2021 · Amount on File
Deed SaleNov 15, 2021 · Amount on File
Prior SaleJul 12, 2005 · Amount on File
Deed Document Number202166569
Deed Book / Page36510 / 96
Record UpdatedOct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateNov 15, 2021
Property Address46 W 3RD ST, LOWELL, MA 01850-2442
Document Number36510-96
Book / Page36510 / 96
Instrument DateNov 15, 2021
Instrument66569
Transaction TypeTransfer
Record UpdatedDec 3, 2021

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11 GANNON TER, FRAMINGHAM, MA 01702-6111

Mortgage

Document Number66570
DateNov 15, 2021
Instrument66570
Lender
NameFIRST GUARANTY MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 46 W 3rd St was $5,551, up 4.5% 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 ValueAssessed Market Value
2026$5,551.00 (+4.5%)$489,100 (+5.71%) Land $98,800 Building $390,300$569,148
2025$5,312.00 (+9.21%)$462,700 (+13.3%) Land $92,300 Building $370,400
2024$4,864.00 (+7.35%)$408,400 (+11.95%) Land $81,100 Building $327,300
2023$4,531.00$364,800 Land $70,600 Building $294,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 W 3rd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 46 W 3rd 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 1,079 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
AT&T
Fixed Wireless		100 / 20

May also be available: T-Mobile.

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