488 Pine St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 488 Pine St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,573 sqft · built 1920
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Dec 2019)
Tax Bill	$7,698 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S05700`

Property Details

APN / Parcel Number

Primary APN	`S05700`
Alternative APNs	`LOWE M:74 B:4655 L:488` `M:000074 T:S05700`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,573 sqft Living Area
Gross Area	4,620 sqft
1st Floor Area	1,196 sqft
Attic	Attic
Attic Area	888 sqft
Basement Area	888 sqft
Unfinished Basement	888 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S05700
Street Address	488 PINE ST
City	LOWELL
State	MA
Zip	01851-2920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4655
Legal Lot Number	488
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	311600

Historic Designation

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

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	488 PINE ST, LOWELL, MA 01851-2920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Dec 30, 2019	Quit Claim Deed, Transfer · Conventional with PMI DIGITAL EMP FCU
Dec 22, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Prior Sale	Jun 10, 2009 · Amount on Record
Deed Document Number	2019303541
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	488 PINE ST, LOWELL, MA 01851-2920
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000319116
Date	Feb 9, 2023
Instrument	319116

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2033

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 30, 2019
Property Address	488 PINE ST, LOWELL, MA 01851-2920
Document Number	0000303541
Instrument Date	Dec 30, 2019
Instrument	303541
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,231.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 PINE ST LOWELL MA 018512920, LOWELL, MA 01851-2920

Mortgage

Document Number	303542
Date	Dec 30, 2019
Instrument	303542

Lender

Name	DIGITAL EMP FCU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	488 PINE ST, LOWELL, MA 01851-2920
Document Number	0000299360
Instrument Date	Dec 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	488 PINE ST LOWELL MA 018512920, LOWELL, MA 01851-2920

Mortgage

Document Number	0000299360
Date	Jan 24, 2019
Instrument	299360

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$7,698.00 (+6.4%)	$678,200 (+7.62%) Land $232,100 Building $446,100	$654,866 (+5.92%)
2025	$7,235.00 (+5.56%)	$630,200 (+9.5%) Land $217,000 Building $413,200	$618,260 (+5.96%)
2024	$6,854.00 (+6.1%)	$575,500 (+10.65%) Land $185,900 Building $389,600	$583,490
2023	$6,460.00	$520,100 Land $161,600 Building $358,500

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

Flood

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 Policies	5 in force
Nearby Flood Claims	3 (1979–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2011 · 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

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 218 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

May also be available: T-Mobile.

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