55 Varnum St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 55 Varnum St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	9 bd · 2 ba · 3,894 sqft · built 1900
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on File
Last Sale	$650,000 (Dec 2023)
Tax Bill	$6,930 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`J02025`

Property Details

APN / Parcel Number

Primary APN	`J02025`
Alternative APNs	`LOWE M:196 B:5890 L:55` `M:000196 T:J02025`

Interior

Bedrooms	9 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,894 sqft Living Area
Gross Area	6,468 sqft
1st Floor Area	1,692 sqft
Basement Area	1,692 sqft
Unfinished Basement	1,692 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	J02025
Street Address	55 VARNUM ST
City	LOWELL
State	MA
Zip	01850-2132
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	5890
Legal Lot Number	55
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	4
Census Block	4005
Census Tract	310200

Owner

55 Varnum St is owned by a company that bought it in December 2023.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 1955, ANDOVER, MA 01810-0033
Owner Type	Company
Vesting	Company

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
Oct 3, 2025	Deed of Trust, Mortgage · Commercial Mortgage COPELAND LIVING LLC
Dec 14, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RFB F4 NB LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2023 · Amount on File
Deed Sale	Dec 14, 2023 · Amount on File
Prior Sale	Jul 8, 2008 · Amount on File
Deed Book / Page	38235 / 44
Prior Transfer Date	Dec 12, 2023
Prior Transfer Doc	0038235-44
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	55 VARNUM ST, LOWELL, MA 01850-2132
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039565-238
Date	Oct 3, 2025
Book Page	39565/238
Instrument	31496

Lender

Name	COPELAND LIVING LLC

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 14, 2023
Property Address	55 VARNUM ST, LOWELL, MA 01850-2132
Document Number	0038235-44
Book / Page	38235 / 44
Instrument Date	Dec 12, 2023
Instrument	36902
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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
Address	23 ORCHARD XING, ANDOVER, MA 01810-4875

Mortgage

Document Number	0000036903
Date	Dec 14, 2023
Instrument	36903

Lender

Name	RFB F4 NB LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 55 Varnum St was $6,930, up 8.1% 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	$6,930.00 (+8.13%)	$610,600 (+9.37%) Land $178,400 Building $432,200	$669,979 (+1.9%)
2025	$6,409.00 (+1.52%)	$558,300 (+5.32%) Land $166,700 Building $391,600	$657,495 (+5.5%)
2024	$6,313.00 (+5.55%)	$530,100 (+10.07%) Land $138,500 Building $391,600	$623,200
2023	$5,981.00	$481,600 Land $120,400 Building $361,200

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

Flood

FEMA maps place 55 Varnum 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 55 Varnum 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 1,079 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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