491 Dutton St, Unit 403, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 491 Dutton St, Unit 403, Lowell, MA 01854

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 906 sqft · built 2008
Lot Size	2.28 acres (99,590 sqft)
Owner	Individual Name on Record
Last Sale	$382,500 (Jan 2026)
Tax Bill	$3,740 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`L16325`

Property Details

APN / Parcel Number

Primary APN	`L16325`
Alternative APNs	`LOWE M:139 B:1915 L:491 U:403` `M:000139 T:L16325`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	87 Units
Stories	3 Stories
Building Area	906 sqft Living Area
1st Floor Area	906 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Exterior Material	Brick
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	99,590 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	L16325
Street Address	491 DUTTON ST, 403
City	LOWELL
State	MA
Zip	01854-4291
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	UMU
Legal Block	1915
Legal Lot Number	491
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	311100

Historic Designation

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

Historic District	Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149

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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	491 DUTTON ST, 403, LOWELL, MA 01854-4291
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Mar 14, 2016 · Amount on Record
Deed Book / Page	39807 / 232
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 16, 2026
Property Address	491 DUTTON ST UNIT 403, 403, LOWELL, MA 01854-4291
Document Number	039807-232
Book / Page	39807 / 232
Instrument Date	Jan 16, 2026
Instrument	1641
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 DUTTON ST UNIT 403, 403, LOWELL, MA 01854-4291

Mortgage

Document Number	0000001642
Date	Jan 16, 2026
Instrument	1642

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2031
Index	1-Year CMT

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	$3,740.00 (+0.59%)	$329,500 (+1.73%) Building $329,500	$348,815 (-15.65%)
2025	$3,718.00 (+13.87%)	$323,900 (+18.17%) Building $323,900	$413,535 (+4.59%)
2024	$3,265.00 (-13.05%)	$274,100 (-9.33%) Building $274,100	$395,390
2023	$3,755.00	$302,300 Building $302,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2001–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2013 · river or lake 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.

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

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