5 Bernier St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 5 Bernier St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,487 sqft · built 1976
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,000 (May 2018)
Tax Bill	$6,507 (2026)
Deeds & Mortgages	May 2018 Sale & Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T07210`

Property Details

APN / Parcel Number

Primary APN	`T07210`
Alternative APNs	`LOWE M:242 B:555 L:5` `M:000242 T:T07210`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,487 sqft Living Area
Gross Area	2,347 sqft
1st Floor Area	1,112 sqft
Basement Area	1,075 sqft
Unfinished Basement	450 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	T07210
Street Address	5 BERNIER ST
City	LOWELL
State	MA
Zip	01852-5801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	555
Legal Lot Number	5
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1009
Census Tract	312300

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	2 Individual Names on Record
Mailing Address	5 BERNIER ST, LOWELL, MA 01852-5801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE
Jul 11, 2017	Deed of Trust, Mortgage · Line of Credit JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Deed Book / Page	32082 / 115
Record Updated	Oct 29, 2026

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 18, 2018
Property Address	5 BERNIER ST, LOWELL, MA 01852-5801
Document Number	32082-115
Book / Page	32082 / 115
Instrument	20055
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.29
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BERNIER ST, LOWELL, MA 01852-5801

Mortgage

Document Number	320820118
Date	May 18, 2018
Instrument	32082/0118

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 18, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	5 BERNIER ST, LOWELL, MA 01852-5801
Document Number	31303-171
Book / Page	031303 / 000171
Instrument Date	Jul 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Mortgage

Document Number	31303-171
Date	Jul 20, 2017
Book Page	031303/000171
Instrument	30950

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 19, 2037

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	$6,507.00 (+6.06%)	$573,300 (+7.28%) Land $230,400 Building $342,900	$574,943 (+4.58%)
2025	$6,135.00 (+0.18%)	$534,400 (+3.93%) Land $226,200 Building $308,200	$549,765 (-)
2024	$6,124.00 (+4.01%)	$514,200 (+8.46%) Land $211,400 Building $302,800	$549,765
2023	$5,888.00	$474,100 Land $183,800 Building $290,300

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 AE, 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	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · 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.

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 275 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

May also be available: AT&T, T-Mobile.

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