555 Merrimack St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 555 Merrimack St, Lowell, MA 01854

Property Summary

Property Type	Apartments (5+ Units)
Details	20 bd · 6 ba · 27,058 sqft · built 2022
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Company Names on File
Last Sale	$675,000 (Dec 2017)
Tax Bill	$66,973 (2026)
Deeds & Mortgages	Sep 2021 Refinance May 2022 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`F08640`

Property Details

APN / Parcel Number

Primary APN	`F08640`
Alternative APNs	`LOWE M:137 B:4060 L:555` `M:000137 T:210556`

Interior

Bedrooms	20 Beds
Full Baths	6 Baths
Total Rooms	33 Rooms
Units	51 Units
Stories	4 Stories
Building Area	27,058 sqft Living Area
1st Floor Area	6,706 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	22,216 sqft (0.51 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	F08640
Street Address	555 MERRIMACK ST
City	LOWELL
State	MA
Zip	01854-2253
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	UMU
Legal Block	4060
Legal Lot Number	555
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2027
Census Tract	388300

Historic Designation

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

Historic District	Within the Lowell National Historical Park listed 1978 · 8 contributing resources · NRIS 78003149

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

Owner

555 Merrimack St, a residential property, is owned by a company that bought it in December 2017.

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 Record	2 Company Names on File
Mailing Address	517 MOODY ST, LOWELL, MA 01854-4071
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY ECONOMIC DEVELOPMENT
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COALITION FOR A BETTE
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COALITION FOR A BETTE
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COALITION FOR A BETTE
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
May 20, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MASSACHUSETTS COMM HOUSING & COMMUNITY D
Feb 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY ECONOMIC DEVELOPMENT
Dec 1, 2017	Quit Claim Deed, Transfer · Conventional with PMI LIFE INS CMNTY INV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2017 · Amount on File
Deed Sale	Dec 1, 2017 · Amount on File
Prior Sale	Mar 3, 1999 · Amount on File
Deed Book / Page	31690 / 203
Transfer Doc	031690-203
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036284-107
Date	Sep 22, 2021
Book Page	36284/107
Instrument	55408

Lender

Name	COMMUNITY ECONOMIC DEVELOPMENT

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037081-275
Date	May 20, 2022
Book Page	37081/275
Instrument	21749

Lender

Name	COALITION FOR A BETTE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037081-288
Date	May 20, 2022
Book Page	37081/288
Instrument	21751

Lender

Name	COALITION FOR A BETTE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037081-267
Date	May 20, 2022
Book Page	37081/267
Instrument	21748

Lender

Name	COALITION FOR A BETTE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE MA, FIDELITY NATIONAL TITLE (AKA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037081-182
Date	May 20, 2022
Book Page	37081/182
Instrument	21744

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-2253
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037081-253
Date	May 20, 2022
Book Page	37081/253
Instrument	21747

Lender

Name	MASSACHUSETTS COMM HOUSING & COMMUNITY D

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	613 Months
Due	Jun 1, 2073

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-3906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33811-97
Date	Feb 6, 2020
Book Page	33811/97
Instrument	5355

Lender

Name	COMMUNITY ECONOMIC DEVELOPMENT

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 1, 2017
Property Address	555 MERRIMACK ST, LOWELL, MA 01854-3906
Document Number	31690-203
Book / Page	031690 / 000203
Instrument Date	Nov 30, 2017
Instrument	54003
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,078.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	517 MOODY ST LOWELL MA 018544014, LOWELL, MA 01854-4014

Mortgage

Document Number	31690-206
Date	Dec 1, 2017
Book Page	031690/000206
Instrument	54004

Lender

Name	LIFE INS CMNTY INV

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 555 Merrimack St was $66,973, up 7% 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
2026	$66,973.00 (+6.95%)	$5,900,700 (+8.18%) Land $277,700 Building $5,623,000
2025	$62,618.00 (+23.87%)	$5,454,500 (+28.5%) Land $259,500 Building $5,195,000
2024	$50,553.00 (+1,103.07%)	$4,244,600 (+2,360.64%) Land $242,600 Building $4,002,000
2023	$4,202.00	$172,500 Land $172,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 555 Merrimack St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	160 units insured incl. 153 condo units
Nearby Flood Claims	3 (2006–2007)
Most Recent Claim	Apr 2007 · 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.

Wildfire

The area around 555 Merrimack 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 288 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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