561 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 561 Central St, Lowell, MA 01852

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 3,062 sqft · built 1910
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Sep 2022)
Tax Bill	$6,392 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R02940`

Property Details

APN / Parcel Number

Primary APN	`R02940`
Alternative APNs	`LOWE M:180 B:1125 L:561` `M:000180 T:R02940`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	3,062 sqft Living Area
Gross Area	4,010 sqft
1st Floor Area	1,390 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R02940
Street Address	561 CENTRAL ST
City	LOWELL
State	MA
Zip	01852-2614
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMU
Legal Block	1125
Legal Lot Number	561
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	311900

Owner

561 Central St, a duplex, is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	561 CENTRAL ST, LOWELL, MA 01852-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Deed Book / Page	37353 / 154
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 2, 2022
Property Address	561 CENTRAL ST, LOWELL, MA 01852-2614
Document Number	037353-154
Book / Page	37353 / 154
Instrument Date	Sep 2, 2022
Instrument	37544
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety
Address	561 CENTRAL ST, LOWELL, MA 01852-2614

Mortgage

Document Number	0000037545
Date	Sep 2, 2022
Instrument	37545

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 561 Central St was $6,392, up 4.5% 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	$6,392.00 (+4.5%)	$563,200 (+5.71%) Land $118,400 Building $444,800	$614,326
2025	$6,117.00 (+8.61%)	$532,800 (+12.67%) Land $110,700 Building $422,100
2024	$5,632.00 (+7.48%)	$472,900 (+12.09%) Land $99,900 Building $373,000
2023	$5,240.00	$421,900 Land $86,800 Building $335,100

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

Flood

FEMA maps place 561 Central 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 561 Central 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 410 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	980 / 880
AT&T Fixed Wireless	100 / 20