51 Sandy Ln, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 51 Sandy Ln, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,952 sqft · built 1990
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jan 2011)
Tax Bill	$6,761 (2026)
Deeds & Mortgages	Feb 2021 Refinance Nov 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`W05715`

Property Details

APN / Parcel Number

Primary APN	`W05715`
Alternative APNs	`LOWE M:21 B:5203 L:51` `M:000021 T:W05715`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,952 sqft Living Area
Gross Area	2,722 sqft
1st Floor Area	792 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	W05715
Street Address	51 SANDY LN
City	LOWELL
State	MA
Zip	01854-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	VARNUM ESTATES
Legal Block	5203
Legal Lot Number	51
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1004
Census Tract	310601

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	51 SANDY LN, LOWELL, MA 01854-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Nov 4, 2019	Deed of Trust, Mortgage · Line of Credit JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2011 · Amount on Record
Deed Sale	Jan 28, 2011 · Amount on Record
Prior Sale	Apr 25, 2007 · Amount on Record
Transfer Doc	28950-286
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	51 SANDY LN, LOWELL, MA 01854-1126
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35377-188
Date	Feb 24, 2021
Book Page	35377/188
Instrument	11140

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	51 SANDY LN, LOWELL, MA 01854-1126
Document Number	33626-174
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 SANDY LN LOWELL MA 018541126, LOWELL, MA 01854-1126

Mortgage

Document Number	33626-174
Date	Dec 5, 2019
Book Page	033626/000174
Instrument	54386

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 4, 2039

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	$6,761.00 (+7.8%)	$595,700 (+9.04%) Land $218,700 Building $377,000	$636,420 (+3.75%)
2025	$6,272.00 (-1.21%)	$546,300 (+2.48%) Land $204,400 Building $341,900	$613,415 (+0.89%)
2024	$6,349.00 (+6.08%)	$533,100 (+10.62%) Land $191,000 Building $342,100	$608,000
2023	$5,985.00	$481,900 Land $166,100 Building $315,800

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	6 (1979–2006)
Claims Outside the SFHA	2 of 6
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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Nearby Properties on Sandy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures