53 Royal St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 53 Royal St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 3,444 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Nov 2025)
Tax Bill	$7,014 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S00834`

Property Details

APN / Parcel Number

Primary APN	`S00834`
Alternative APNs	`LOWE M:142 B:5100 L:53` `M:000142 T:S00834`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,444 sqft Living Area
Gross Area	5,376 sqft
1st Floor Area	1,256 sqft
Basement Area	1,256 sqft
Unfinished Basement	260 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S00834
Street Address	53 ROYAL ST
City	LOWELL
State	MA
Zip	01851-2604
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	5100
Legal Lot Number	53
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1013
Census Tract	311800

Owner

53 Royal St, a duplex, is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	53 ROYAL ST, LOWELL, MA 01851-2604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MILLS 42 CREDIT UNION
Nov 24, 2025	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 21, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance HOMESTEAD FUNDING CORP
Dec 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on File
Deed Sale	Nov 24, 2025 · Amount on File
Prior Sale	Jan 24, 2011 · Amount on File
Deed Document Number	202537998
Deed Book / Page	39692 / 109
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	53 ROYAL ST, LOWELL, MA 01851-2604
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037907-235
Date	Jun 23, 2023
Book Page	37907/235
Instrument	17863

Lender

Name	MILLS 42 CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 24, 2025
Property Address	53 ROYAL ST, LOWELL, MA 01851-2604
Document Number	039692-109
Book / Page	39692 / 109
Instrument Date	Nov 24, 2025
Instrument	37998
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	53 ROYAL ST, LOWELL, MA 01851-2604
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037999
Date	Nov 24, 2025
Instrument	37999

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 21, 2020
Property Address	53 ROYAL ST, LOWELL, MA 01851-2604
Document Number	35086-69
Book / Page	35086 / 69
Instrument Date	Dec 15, 2020
Instrument	66838
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 ROYAL ST, LOWELL, MA 01851-2604

Mortgage

Document Number	35086-72
Date	Dec 21, 2020
Book Page	35086/72
Instrument	66839

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 21, 2020
Property Address	53 ROYAL ST, LOWELL, MA 01851-2604
Document Number	35086-66
Book / Page	035086 / 000066
Instrument Date	Dec 15, 2020
Instrument	66837
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	53 ROYAL ST LOWELL MA 018512604, LOWELL, MA 01851-2604

Tax Assessment & Valuation

The 2026 property tax bill for 53 Royal St was $7,014, up 4.3% 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	$7,014.00 (+4.3%)	$618,000 (+5.5%) Land $125,600 Building $492,400	$715,151
2025	$6,725.00 (+19.26%)	$585,800 (+23.72%) Land $110,800 Building $475,000
2024	$5,639.00 (+7.47%)	$473,500 (+12.07%) Land $103,600 Building $369,900
2023	$5,247.00	$422,500 Land $90,100 Building $332,400

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

Flood

FEMA maps place 53 Royal St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 53 Royal 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.

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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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