Middlesex County and Lowell City property record for 480 E Merrimack St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,380 sqft · built 1920 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $403,500 (Jun 2017) |
| Tax Bill | $7,097 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S10645 |
| Primary APN | S10645 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,380 sqft Living Area |
| Gross Area | 5,048 sqft |
| 1st Floor Area | 1,225 sqft |
| Basement Area | 1,225 sqft |
| Unfinished Basement | 1,225 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 4,792 sqft (0.11 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | S10645 |
|---|---|
| Street Address | 480 E MERRIMACK ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-1449 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TTF |
| Legal Block | 1950 |
| Legal Lot Number | 480 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3007 |
| 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.
480 E Merrimack St, a duplex, is owned and occupied by two individuals who bought it in June 2017.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 480 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| 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 |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 8, 2017 | Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Feb 2, 2017 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2017 · Amount on File |
| Deed Sale | Jun 8, 2017 · Amount on File |
| Prior Sale | Feb 2, 2017 · Amount on File |
| Deed Book / Page | 31182 / 148 |
| Transfer Doc | 031182-148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 480 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0035952-72 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 35952/72 |
| Instrument | 38970 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 8, 2017 |
| Property Address | 480 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Document Number | 31182-148 |
| Book / Page | 31182 / 148 |
| Instrument | 23612 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.79 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 480 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Document Number | 311820150 |
|---|---|
| Date | Jun 8, 2017 |
| Instrument | 31182/0150 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 8, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Feb 2, 2017 |
| Property Address | 480 E MERRIMACK ST, LOWELL, MA 01852-1449 |
| Document Number | 30887-69 |
| Book / Page | 030887 / 000069 |
| Instrument Date | Feb 2, 2017 |
| Instrument | 5066 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,276.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 564 DUTTON ST LOWELL MA 018544306, LOWELL, MA 01854-4306 |
The 2026 property tax bill for 480 E Merrimack St was $7,097, up 10.1% 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 | $7,097.00 (+10.13%) | $625,300 (+11.4%) Land $158,100 Building $467,200 | $647,451 |
| 2025 | $6,444.00 (-4.08%) | $561,300 (-0.5%) Land $137,900 Building $423,400 | |
| 2024 | $6,718.00 (+6.4%) | $564,100 (+10.96%) Land $140,700 Building $423,400 | |
| 2023 | $6,314.00 | $508,400 Land $117,800 Building $390,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 480 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 480 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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