5 Cottage Pl, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 5 Cottage Pl, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,043 sqft · built 1900
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$235,400 (Sep 2017)
Tax Bill	$4,164 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B12680`

Property Details

APN / Parcel Number

Primary APN	`B12680`
Alternative APNs	`LOWE M:166 B:1520 L:5` `M:000166 T:B12680`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
Gross Area	1,861 sqft
1st Floor Area	669 sqft
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	B12680
Street Address	5 COTTAGE PL
City	LOWELL
State	MA
Zip	01852-4403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Subdivision	ESTATE ANDREWS C WHEELOCK
Legal Block	1520
Legal Lot Number	5
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3001
Census Tract	312200

Owner

5 Cottage Pl is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	5 COTTAGE PL, LOWELL, MA 01852-4403
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on File
Deed Sale	Sep 14, 2017 · Amount on File
Prior Sale	Nov 30, 1989 · Amount on File
Deed Book / Page	31468 / 39
Transfer Doc	0031468-39
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 14, 2017
Property Address	5 COTTAGE PL, LOWELL, MA 01852-4403
Document Number	31468-39
Book / Page	031468 / 000039
Instrument Date	Sep 14, 2017
Instrument	40859
Transaction Type	Transfer
Record Updated	Oct 4, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	60 MADISON ST MALDEN MA 021486814, MALDEN, MA 02148-6814

Mortgage

Document Number	31468-41
Date	Sep 14, 2017
Book Page	031468/000041
Instrument	40860

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 5 Cottage Pl was $4,164, up 7.4% from the year before.

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	$4,164.00 (+7.43%)	$366,900 (+8.68%) Land $120,900 Building $246,000	$381,399 (+7.66%)
2025	$3,876.00 (+2.51%)	$337,600 (+6.33%) Land $109,700 Building $227,900	$354,255 (+1.36%)
2024	$3,781.00 (+6.06%)	$317,500 (+10.63%) Land $102,600 Building $214,900	$349,505
2023	$3,565.00	$287,000 Land $89,200 Building $197,800

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

Flood

FEMA maps place 5 Cottage Pl in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 5 Cottage Pl has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20