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486 E Merrimack St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 486 E Merrimack St, Lowell, MA 01852

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 2,106 sqft · built 1910
Lot Size0.14 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$605,000 (Sep 2025)
Tax Bill$6,987 (2026)
Deeds & MortgagesAug 2024 Mortgage
Sep 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNH00200

Property Details

APN / Parcel Number

Primary APNH00200
Alternative APNs
  • LOWE M:218 B:1950 L:486
  • M:000218 T:H00200

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Units2 Units
Stories2 Stories
Building Area2,106 sqft Living Area
Gross Area4,420 sqft
1st Floor Area1,091 sqft
Basement Area1,091 sqft
Unfinished Basement1,091 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleDuplex Single
Exterior MaterialWood Siding
Roof TypeGable
Roof MaterialSlate
Lot Area6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelGas

Location & Zoning

Account NumberH00200
Street Address486 E MERRIMACK ST
CityLOWELL
StateMA
Zip01852-1449
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block1950
Legal Lot Number486
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group3
Census Block3007
Census Tract312501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

486 E Merrimack St, a duplex, is owned by two individuals who bought it in September 2025.

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

Owner of Record2 Individual Names on File
Mailing Address486 E MERRIMACK ST, 488, LOWELL, MA 01852-1449
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Aug 14, 2024Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Sep 29, 2025Quit Claim Deed, Transfer · Conventional Mortgage
TOTAL MORTGAGE SERVICES LLC
Oct 30, 2023Quit Claim Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 29, 2025 · Amount on File
Deed SaleSep 29, 2025 · Amount on File
Prior SaleOct 30, 2023 · Amount on File
Deed Book / Page39551 / 142
Record UpdatedOct 29, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address486 E MERRIMACK ST, LOWELL, MA 01852-1449
Transaction TypeMortgage
Record UpdatedJan 26, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number038685-128
DateAug 14, 2024
Book Page38685/128
Instrument24399
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2054

September 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateSep 29, 2025
Property Address486 E MERRIMACK ST, LOWELL, MA 01852-1449
Document Number039551-142
Book / Page39551 / 142
Instrument DateSep 29, 2025
Instrument30781
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address486 E MERRIMACK ST # 488, 488, LOWELL, MA 01852-1449

Mortgage

Document Number0000030782
DateSep 29, 2025
Instrument30782
Lender
NameTOTAL MORTGAGE SERVICES LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueOct 1, 2055

October 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateOct 30, 2023
Property Address486 E MERRIMACK ST, LOWELL, MA 01852-1449
Document Number038153-123
Book / Page38153 / 123
Instrument DateOct 30, 2023
Instrument32147
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address486 E MERRIMACK ST # 488, 488, LOWELL, MA 01852-1449

Mortgage

Document Number0000032148
DateOct 30, 2023
Instrument32148
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 486 E Merrimack St was $6,987, up 6.5% 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$6,987.00 (+6.53%)$615,600 (+7.75%) Land $168,300 Building $447,300$605,996
2025$6,559.00 (+4.91%)$571,300 (+8.84%) Land $146,800 Building $424,500
2024$6,252.00 (+8.83%)$524,900 (+13.47%) Land $149,800 Building $375,100
2023$5,745.00$462,600 Land $125,400 Building $337,200

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

Flood

FEMA maps place 486 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1982–1983)
Most Recent ClaimMay 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.

Wildfire

The area around 486 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 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 452 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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