549 Pine St, Apt 10, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 549 Pine St, Apt 10, Lowell, MA 01851

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 584 sqft · built 1987
Lot Size	0.335 acres (14,615 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2022)
Tax Bill	$2,172 (2026)
Deeds & Mortgages	Apr 2022 Sale Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P90920`

Property Details

APN / Parcel Number

Primary APN	`P90920`
Alternative APNs	`LOWE M:74 B:4655 L:549 U:10` `M:000074 T:P90920`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Units	19 Units
Stories	1 Story
Building Area	584 sqft Living Area
1st Floor Area	584 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Condo/Apartment
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,615 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	P90920
Street Address	549 PINE ST, 10
City	LOWELL
State	MA
Zip	01851-2336
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	TSF
Legal Subdivision	FAIRFIELD CONDO
Legal Block	4655
Legal Lot Number	549
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1018
Census Tract	311400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

549 Pine St, Apt 10 is owned by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	287 WASHINGTON ST, WINCHESTER, MA 01890-2043
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Quit Claim Deed, Transfer
Apr 3, 2018	Deed, Transfer BELMONT SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Prior Sale	Apr 3, 2018 · Amount on File
Deed Document Number	202218202
Deed Book / Page	37016 / 7
Prior Transfer Date	Apr 26, 2022
Prior Transfer Doc	00037016-7
Record Updated	Oct 29, 2026

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 28, 2022
Property Address	549 PINE ST APT 10, 10, LOWELL, MA 01851-2336
Document Number	00037016-7
Book / Page	37016 / 7
Instrument Date	Apr 26, 2022
Instrument	18202
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount 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
Address	287 WASHINGTON ST, WINCHESTER, MA 01890-2043

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 3, 2018
Property Address	549 PINE ST APT 10, 10, LOWELL, MA 01851-2336
Document Number	31975-177
Book / Page	31975 / 177
Instrument	13083
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13.96
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	549 PINE ST APT 10, 10, LOWELL, MA 01851-2336

Mortgage

Document Number	319750181
Date	Apr 3, 2018
Instrument	31975/0181

Lender

Name	BELMONT SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 3, 2048

Interest

Rate	4.38%
Max Rate At Change	50.1%
Max Rate	2.75%

Tax Assessment & Valuation

The 2026 property tax bill for 549 Pine St, Apt 10 was $2,172, up 16.2% 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	$2,172.00 (+16.21%)	$191,400 (+17.57%) Building $191,400	$228,786 (+15.34%)
2025	$1,869.00 (+6.25%)	$162,800 (+10.22%) Building $162,800	$198,360 (+13.36%)
2024	$1,759.00 (+17.27%)	$147,700 (+22.27%) Building $147,700	$174,990
2023	$1,500.00	$120,800 Building $120,800

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

Flood

FEMA maps place 549 Pine St, Apt 10 in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1978–2006)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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

The area around 549 Pine St, Apt 10 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 340 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

May also be available: AT&T, T-Mobile.

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