Middlesex County and Lowell City property record for 520 E Merrimack St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,774 sqft · built 1957 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Sep 2022) |
| Tax Bill | $6,042 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | Y00290 |
| Primary APN | Y00290 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,774 sqft Living Area |
| Gross Area | 3,103 sqft |
| 1st Floor Area | 825 sqft |
| Basement Area | 929 sqft |
| Unfinished Basement | 104 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | Y00290 |
|---|---|
| Street Address | 520 E MERRIMACK ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-1450 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TTF |
| Legal Block | 1950 |
| Legal Lot Number | 520 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 312501 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Andover Street Historic District listed 2000 · 139 contributing resources · NRIS 00000568 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
520 E Merrimack St is owned by two individuals who bought it in September 2022.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 69 PLEASANT ST, LOWELL, MA 01852-2718 |
| 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.
| Date | Document |
|---|---|
| Sep 1, 2022 | Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SVGS BK FSB |
| Feb 16, 2018 | Warranty Deed, Transfer · Conventional with PMI HOMESTEAD FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2022 · Amount on File |
| Deed Sale | Sep 1, 2022 · Amount on File |
| Prior Sale | Feb 16, 2018 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Sep 1, 2022 |
| Property Address | 520 E MERRIMACK ST, LOWELL, MA 01852-1450 |
| Document Number | 0000317491 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 317491 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Amount | Amount on Record |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | 69 PLEASANT ST, LOWELL, MA 01852-2718 |
| Document Number | 0000317492 |
|---|---|
| Date | Sep 1, 2022 |
| Instrument | 317492 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 520 E MERRIMACK ST, LOWELL, MA 01852-1450 |
| Document Number | 0000302687 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 520 E MERRIMACK ST LOWELL MA 018521450, LOWELL, MA 01852-1450 |
| Document Number | 0000302687 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 302687 |
| Name | WASHINGTON SVGS BK FSB |
|---|---|
| Type | Federal Savings Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Feb 16, 2018 |
| Property Address | 520 E MERRIMACK ST, LOWELL, MA 01852-1450 |
| Document Number | 0000295343 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 295343 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,283.64 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 520 E MERRIMACK ST LOWELL MA 018521450, LOWELL, MA 01852-1450 |
| Document Number | 295344 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 295344 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 15, 2048 |
The 2026 property tax bill for 520 E Merrimack St was $6,042, up 4.1% from the year before.
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 | $6,042.00 (+4.1%) | $532,300 (+5.28%) Land $220,600 Building $311,700 | $573,557 (+0.61%) |
| 2025 | $5,804.00 (+5.09%) | $505,600 (+9.04%) Land $206,200 Building $299,400 | $570,095 (-0.94%) |
| 2024 | $5,523.00 (+0.04%) | $463,700 (+4.32%) Land $192,700 Building $271,000 | $575,510 |
| 2023 | $5,521.00 | $444,500 Land $167,500 Building $277,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 E Merrimack St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 2 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.
The area around 520 E Merrimack St 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.
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 452 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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