532 Pine St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 532 Pine St, Lowell, MA 01851 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,303 sqft · built 1964
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Jan 2018)
Tax Bill	$7,546 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M13340`

Property Details

APN / Parcel Number

Primary APN	`M13340`
Alternative APNs	`LOWE M:74 B:4655 L:532` `M:000074 T:M13340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,303 sqft Living Area
Gross Area	3,884 sqft
1st Floor Area	1,822 sqft
Basement Area	1,434 sqft
Unfinished Basement	1,434 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	M13340
Street Address	532 PINE ST
City	LOWELL
State	MA
Zip	01851-2921
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	4655
Legal Lot Number	532
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2011
Census Tract	311400

Owner

Source: Middlesex County and Lowell City records · APN M13340

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	530 PINE ST, LOWELL, MA 01851-2921
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MILLS 42 CREDIT UNION
Mar 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Aug 03, 2020	Deed of Trust, Mortgage · Line of Credit MILLS 42 CU
Jan 19, 2018	Quit Claim Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Prior Sale	Aug 31, 2004 · Amount on Record
Deed Book / Page	31810 / 247
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	532 PINE ST, LOWELL, MA 01851-2921
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037720-266
Date	Mar 10, 2023
Book Page	37720/266
Instrument	6763

Lender

Name	MILLS 42 CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2043

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	532 PINE ST, LOWELL, MA 01851-2921
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33902-150
Date	Mar 10, 2020
Book Page	33902/150
Instrument	10452

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	532 PINE ST, LOWELL, MA 01851-2921
Document Number	34473-19
Instrument Date	Aug 03, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	532 PINE ST LOWELL MA 018512921, LOWELL, MA 01851-2921

Mortgage

Document Number	34473-19
Date	Aug 10, 2020
Book Page	034473/000019
Instrument	37035

Lender

Name	MILLS 42 CU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 09, 2045

Interest

Rate Type	Adjustable Rate

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 19, 2018
Property Address	532 PINE ST, LOWELL, MA 01851-2921
Document Number	31810-247
Book / Page	31810 / 247
Instrument	2653
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$41.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 PINE ST, LOWELL, MA 01851-2921

Mortgage

Document Number	318100250
Date	Jan 19, 2018
Instrument	31810/0250

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2048

Tax Assessment & Valuation

Source: Middlesex County and Lowell City records · Assessment roll updated April 14, 2026 · Last verified April 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$7,546.00 (+12.64%)	$657,300 (+16.85%) Land $205,400 Building $451,900
2024	$6,699.00 (+5.26%)	$562,500 (+9.78%) Land $175,900 Building $386,600
2023	$6,364.00	$512,400 Land $153,000 Building $359,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173114002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	9 in force
Nearby Flood Claims	19 (1979–2023)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Dec 2023, rainfall accumulation
Claims By Storm	Severe Storms And Flooding, May 2006 · 7 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 809 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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