Middlesex County and Lowell City property record for 491 Concord St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2.5 ba · 2,535 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $750,000 (Apr 2025) |
| Tax Bill | $6,524 (2026) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage May 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M15500 |
| Primary APN | M15500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,535 sqft Living Area |
| Gross Area | 3,336 sqft |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 1,048 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,098 sqft (0.14 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | M15500 |
|---|---|
| Street Address | 491 CONCORD ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3605 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TTF |
| Legal Block | 1445 |
| Legal Lot Number | 491 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 312300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 136 PARKVIEW AVE, LOWELL, MA 01852-3811 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 15, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WORKERS CU |
| May 30, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 · Amount on Record |
| Deed Sale | Apr 15, 2025 · Amount on Record |
| Prior Sale | May 30, 2024 · Amount on Record |
| Deed Book / Page | 39186 / 108 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 15, 2025 |
| Property Address | 491 CONCORD ST, LOWELL, MA 01852-3605 |
| Document Number | 039186-108 |
| Book / Page | 39186 / 108 |
| Instrument Date | Apr 15, 2025 |
| Instrument | 10895 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 136 PARKVIEW AVE, LOWELL, MA 01852-3811 |
| Document Number | 0000010896 |
|---|---|
| Date | Apr 15, 2025 |
| Instrument | 10896 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Type Change Date | May 12, 2032 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 30, 2024 |
| Property Address | 491 CONCORD ST, LOWELL, MA 01852-3605 |
| Document Number | 038515-255 |
| Book / Page | 38515 / 255 |
| Instrument Date | May 30, 2024 |
| Instrument | 14795 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 491 CONCORD ST # 493, 493, LOWELL, MA 01852-3605 |
| Document Number | 0000014796 |
|---|---|
| Date | May 30, 2024 |
| Instrument | 14796 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $6,524.00 (+6.24%) | $574,800 (+7.46%) Land $145,300 Building $429,500 | $683,208 |
| 2025 | $6,141.00 (+6.1%) | $534,900 (+10.06%) Land $126,800 Building $408,100 | |
| 2024 | $5,788.00 (+7.34%) | $486,000 (+11.96%) Land $124,100 Building $361,900 | |
| 2023 | $5,392.00 | $434,100 Land $107,900 Building $326,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 3 in force |
| Nearby Flood Claims | 2 (2006–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 643 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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