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  5. Concord St

531 Concord St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 531 Concord St, Lowell, MA 01852

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,166 sqft · built 1900
Lot Size0.07 acres (3,049 sqft)
Owner2 Individual Names on File
Last Sale$68,000 (Aug 1984)
Tax Bill$4,147 (2026)
Deeds & MortgagesAug 2023 Refinance
Jan 2021 Refinance
Flood ZoneZone X (minimal risk)
APNM11760

Property Details

APN / Parcel Number

Primary APNM11760
Alternative APNs
  • LOWE M:203 B:1445 L:531
  • M:000203 T:M11760

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,166 sqft Living Area
Gross Area2,384 sqft
1st Floor Area648 sqft
Basement Area648 sqft
Unfinished Basement648 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area3,049 sqft (0.07 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberM11760
Street Address531 CONCORD ST
CityLOWELL
StateMA
Zip01852-3624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeTTF
Legal Block1445
Legal Lot Number531
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group3
Census Block3013
Census Tract312300

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address531 CONCORD ST, LOWELL, MA 01852-3624
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
ALIGN CREDIT UNION
Jan 11, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
ALIGN CREDIT UNION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 27, 1984 · Amount on File
Deed SaleAug 27, 1984 · Amount on File
Deed Book / Page2832 / 165
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address531 CONCORD ST, LOWELL, MA 01852-3624
Transaction TypeMortgage
Record UpdatedSep 1, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0038013-15
DateAug 16, 2023
Book Page38013/15
Instrument23977
Lender
NameALIGN CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term241 Months
DueSep 1, 2043

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address531 CONCORD ST, LOWELL, MA 01852-3624
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number35175-100
DateJan 11, 2021
Book Page35175/100
Instrument1627
Lender
NameALIGN CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,147.00 (+8.87%)$365,400 (+10.13%) Land $121,400 Building $244,000$386,753 (-11.9%)
2025$3,809.00 (+1.01%)$331,800 (+4.8%) Land $105,900 Building $225,900$438,995 (+10.13%)
2024$3,771.00 (+6.17%)$316,600 (+10.7%) Land $103,700 Building $212,900$398,620
2023$3,552.00$286,000 Land $90,200 Building $195,800

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims2 (2006–2010)
Claims Outside the SFHA1 of 2
Most Recent ClaimMar 2010 · 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 RiskLow
lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 643 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable · Fiber in parts of the area		2,000 / 2,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880

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