48 Morningside Dr, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 48 Morningside Dr, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,823 sqft · built 1962
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2015)
Tax Bill	$8,709 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Jun 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`C10300`

Property Details

APN / Parcel Number

Primary APN	`C10300`
Alternative APNs	`LOWE M:265 B:4185 L:48` `M:000265 T:C10300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,823 sqft Living Area
Gross Area	4,643 sqft
1st Floor Area	2,340 sqft
Basement Area	1,933 sqft
Unfinished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	C10300
Street Address	48 MORNINGSIDE DR
City	LOWELL
State	MA
Zip	01852-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4185
Legal Lot Number	48
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	312501

Owner

48 Morningside Dr is owned and occupied by two individuals who acquired it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) TEWKSBURY CREDIT UNION
Jun 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOME LOAN AND INVESTMENT BANK FSB
Aug 19, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) TEWKSBURY CREDIT UNION
Sep 26, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 29, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2015 · Amount on File
Deed Sale	Jan 13, 2015 · Amount on File
Prior Sale	Jun 28, 2010
Deed Book / Page	28763 / 103
Last Transfer Date	Sep 25, 2025
Transfer Doc	039549-101
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038230-98
Date	Dec 12, 2023
Book Page	38230/98
Instrument	36615

Lender

Name	TEWKSBURY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2034

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035883-100
Date	Jun 16, 2021
Book Page	35883/100
Instrument	35427

Lender

Name	HOME LOAN AND INVESTMENT BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039464-24
Date	Aug 19, 2025
Book Page	39464/24
Instrument	26041

Lender

Name	TEWKSBURY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2035

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 26, 2025
Property Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Document Number	039549-101
Book / Page	39549 / 101
Instrument Date	Sep 25, 2025
Instrument	30670
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 29, 2021
Property Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105
Document Number	035937-186
Book / Page	35937 / 186
Instrument Date	Jun 29, 2021
Instrument	38243
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 MORNINGSIDE DR, LOWELL, MA 01852-3105

Tax Assessment & Valuation

The 2026 property tax bill for 48 Morningside Dr was $8,709, up 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,709.00 (+1.94%)	$767,300 (+3.1%) Land $257,100 Building $510,200	$753,684 (+8.43%)
2025	$8,543.00 (+6.11%)	$744,200 (+10.09%) Land $240,300 Building $503,900	$695,115 (+5.11%)
2024	$8,051.00 (+4.31%)	$676,000 (+8.79%) Land $224,600 Building $451,400	$661,295
2023	$7,718.00	$621,400 Land $195,300 Building $426,100

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

Flood

FEMA maps place 48 Morningside Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Oct 1980 · rainfall accumulation

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 48 Morningside Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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