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490 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 490 Central St, Lowell, MA 01852

Property Summary

Property TypeCharitable / Fraternal Organization
Details4 ba · 4,548 sqft · built 1920
Lot Size0.08 acres (3,485 sqft)
OwnerCompany Name on Record
Last Sale$430,000 (Feb 2021)
Tax Bill$8,256 (2021)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Mar 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:000180 T:P90340

Property Details

APN / Parcel Number

Primary APNM:000180 T:P90340
Alternative APNs
  • LOWE M:180 B:1125 L:490
  • 211262

Interior

Full Baths4 Baths
Stories2 Stories
Building Area4,548 sqft Total Area
Gross Area6,822 sqft
1st Floor Area2,274 sqft
Basement Area2,274 sqft
Unfinished Basement2,274 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialBrick
Construction TypeMasonry / Concrete Block
Roof TypeFlat
Roof MaterialTar & Gravel
Lot Area3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number211262
Street Address490 CENTRAL ST
CityLOWELL
StateMA
Zip01852-2611
Property CategoryCommercial
Property TypeCommercial > Retail > Charitable / Fraternal Organization
Local Zoning CodeTMU
Legal Block1125
Legal Lot Number490
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1002
Census Tract311900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address1046 CAMBRIDGE ST, CAMBRIDGE, MA 02139-1407
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
NAVEO CREDIT UNION
Mar 6, 2019Quit Claim Deed, Transfer · Conventional Mortgage
HARKINS R/E INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 10, 2021 · Amount on Record
Deed SaleFeb 10, 2021 · Amount on Record
Prior SaleMar 6, 2019 · Amount on Record
Deed Book / Page35321 / 211
Prior Transfer DateFeb 8, 2021
Prior Transfer Doc035321-211
Record UpdatedOct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateFeb 10, 2021
Property Address490 CENTRAL ST, LOWELL, MA 01852-2611
Document Number035321-211
Book / Page35321 / 211
Instrument DateFeb 8, 2021
Instrument8624
Transaction TypeTransfer
Record UpdatedJan 26, 2026

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1046 CAMBRIDGE ST, CAMBRIDGE, MA 02139-1407

Mortgage

Document Number0000008625
DateFeb 10, 2021
Instrument8625
Lender
NameNAVEO CREDIT UNION
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateMar 6, 2019
Property Address490 CENTRAL ST, LOWELL, MA 01852-2611
Document Number32810-136
Book / Page032810 / 000136
Instrument DateMar 6, 2019
Instrument8274
Transaction TypeTransfer
Record UpdatedMar 28, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,846.80
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address259 SOUTH ST #1 LOWELL MA 018523316, 1, LOWELL, MA 01852-3316

Mortgage

Document Number32810-141
DateMar 6, 2019
Book Page032810/000141
Instrument8276
Lender
NameHARKINS R/E INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Mortgage

Document Number32810-164,
DateMar 6, 2019
Book Page032810/000164
Instrument8278
Lender
NameBELVIDERE CAP LLC
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

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 Value
2026$502,300 (+1.56%) Land $117,300 Building $385,000
2025$494,600 (+1.85%) Land $109,600 Building $385,000
2024$485,600 (+3.61%) Land $104,400 Building $381,200
2023$468,700 Land $94,900 Building $373,800
2021$8,256.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 410 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fiber · Fixed Wireless		980 / 880
AT&T
Fixed Wireless		100 / 20

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