Middlesex County and Lowell City property record for 540 Lawrence St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,520 sqft · built 1900 |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | Company Name on Record |
| Last Sale | $125,000 (Oct 2017) |
| Tax Bill | $6,382 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Jun 2023 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | F04240 |
| Primary APN | F04240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,520 sqft Living Area |
| Gross Area | 3,444 sqft |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| 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) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | F04240 |
|---|---|
| Street Address | 540 LAWRENCE ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3515 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | UMF |
| Legal Block | 3520 |
| Legal Lot Number | 540 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 312100 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 95 BOSTON RD, NORTH BILLERICA, MA 01862-1348 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage CAPITAL LLC |
| Jun 26, 2023 | Quit Claim Deed, Transfer · Stand-Alone Refinance PANAGIOTIS N KOLIZERA |
| Oct 2, 2017 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2017 · Amount on Record |
| Deed Sale | Oct 2, 2017 · Amount on Record |
| Prior Sale | Aug 16, 2016 · Amount on Record |
| Deed Document Number | 201743912 |
| Deed Book / Page | 31520 / 81 |
| Last Transfer Date | Jun 23, 2023 |
| Transfer Doc | 037909-245 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 5, 2026 |
| Property Address | 540 LAWRENCE ST, LOWELL, MA 01852-3515 |
| Document Number | 0000025484 |
| Book / Page | 40258 / 69 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 202625484 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000025484, |
|---|---|
| Date | Aug 5, 2026 |
| Book Page | 40258/69 |
| Instrument | 202625484 |
| Name | CAPITAL LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 26, 2023 |
| Property Address | 540 LAWRENCE ST, LOWELL, MA 01852-3515 |
| Document Number | 037909-245 |
| Book / Page | 37909 / 245 |
| Instrument Date | Jun 23, 2023 |
| Instrument | 17968 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 BOSTON RD, BILLERICA, MA 01821-4043 |
| Document Number | 037909-248 |
|---|---|
| Date | Jun 26, 2023 |
| Book Page | 37909/248 |
| Instrument | 17969 |
| Name | PANAGIOTIS N KOLIZERA |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 2, 2017 |
| Property Address | 540 LAWRENCE ST, LOWELL, MA 01852-3515 |
| Document Number | 31520-81 |
| Book / Page | 031520 / 000081 |
| Instrument Date | Sep 14, 2017 |
| Instrument | 43912 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $570.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 HIGHLAND AVE SOMERVILLE MA 021442516, SOMERVILLE, MA 02144-2516 |
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 | $6,382.00 (+4.5%) | $562,300 (+5.7%) Land $120,800 Building $441,500 | $632,006 |
| 2025 | $6,107.00 (+51.09%) | $532,000 (+56.75%) Land $112,900 Building $419,100 | |
| 2024 | $4,042.00 (+63.45%) | $339,400 (+70.47%) Land $101,800 Building $237,600 | |
| 2023 | $2,473.00 | $199,100 Land $88,500 Building $110,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 643 locations within half a mile, as of December 31, 2025
| Provider | Max 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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