Middlesex County and Lowell City property record for 475 E Merrimack St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,282 sqft · built 1994 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $203,000 (Aug 2001) |
| Tax Bill | $6,103 (2026) |
| Deeds & Mortgages | May 2021 Line of Credit May 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | O03675 |
| Primary APN | O03675 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,282 sqft Living Area |
| Gross Area | 1,992 sqft |
| 1st Floor Area | 936 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | O03675 |
|---|---|
| Street Address | 475 E MERRIMACK ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-1447 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 1950 |
| Legal Lot Number | 475 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 312501 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Andover Street Historic District listed 2000 · 139 contributing resources · NRIS 00000568 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
475 E Merrimack St is owned and occupied by two individuals who bought it in August 2001.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 475 E MERRIMACK ST, LOWELL, MA 01852-1447 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 18, 2021 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| May 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 27, 2001 · Amount on File |
| Deed Sale | Aug 27, 2001 · Amount on File |
| Prior Sale | Oct 28, 1994 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 475 E MERRIMACK ST, LOWELL, MA 01852-1447 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35764-109 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 35764/109 |
| Instrument | 29491 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 475 E MERRIMACK ST, LOWELL, MA 01852-1447 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35764-96 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 35764/96 |
| Instrument | 29490 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2026 property tax bill for 475 E Merrimack St was $6,103, up 6.1% 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 | $6,103.00 (+6.07%) | $537,700 (+7.28%) Land $246,100 Building $291,600 | $549,590 (+23.83%) |
| 2025 | $5,754.00 (+0.37%) | $501,200 (+4.11%) Land $230,000 Building $271,200 | $443,840 (+2.55%) |
| 2024 | $5,733.00 (+4.46%) | $481,400 (+8.94%) Land $215,000 Building $266,400 | $432,820 |
| 2023 | $5,488.00 | $441,900 Land $186,900 Building $255,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 475 E Merrimack 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | May 1983 · 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.
The area around 475 E Merrimack 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 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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