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604 Central St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 604 Central St, Lowell, MA 01852

Property Summary

Property TypeRetail Stores (Personal Services, Photography, Travel)
Details2 bd · 3,432 sqft · built 1901
Lot Size0.04 acres (1,742 sqft)
OwnerCompany Name on File
Last Sale$459,000 (May 2022)
Tax Bill$9,274 (2026)
Deeds & MortgagesNov 2024 Mortgage
May 2022 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APNM22630

Property Details

APN / Parcel Number

Primary APNM22630
Alternative APNs
  • LOWE M:181 B:1125 L:604
  • M:000181 T:M22630

Interior

Bedrooms2 Beds
Stories3 Stories
Building Area3,432 sqft Total Area
Gross Area4,558 sqft
1st Floor Area1,096 sqft
Basement Area1,096 sqft
Unfinished Basement1,096 sqft

Exterior

Year BuiltBuilt 1901
Effective Year BuiltEffective 1901
Exterior MaterialBrick
Construction TypeFrame
Roof TypeFlat
Roof MaterialTar & Gravel
Lot Area1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberM22630
Street Address604 CENTRAL ST
CityLOWELL
StateMA
Zip01852-3424
Property CategoryCommercial
Property TypeCommercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning CodeTMU
Legal Block1125
Legal Lot Number604
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group1
Census Block1011
Census Tract311900

Owner

604 Central St, a commercial property, is owned by a company that bought it in May 2022.

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

Owner of RecordCompany Name on File
Mailing Address604 CENTRAL ST, LOWELL, MA 01852-3424
Owner TypeCompany
VestingCompany

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

DateDocument
Nov 22, 2024Deed of Trust, Mortgage · Commercial Mortgage
SALEM FIVE CENTS SAVINGS BANK
May 20, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
LOWELL LENDERS T
Jun 3, 2020Quit Claim Deed, Transfer
LOWELL LENDERS T
Sep 9, 2019Quit Claim Deed, Transfer · FHA Mortgage
MOVEMENT MORTGAGE
Dec 22, 2017Foreclosure

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 20, 2022 · Amount on File
Deed SaleMay 20, 2022 · Amount on File
Prior SaleSep 9, 2019 · Amount on File
Deed Book / Page37082 / 260
Record UpdatedOct 29, 2026

November 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address604 CENTRAL ST, LOWELL, MA 01852-3424
Transaction TypeMortgage
Record UpdatedApr 2, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0038917-45
DateNov 22, 2024
Book Page38917/45
Instrument37019
Lender
NameSALEM FIVE CENTS SAVINGS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount on Record

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateMay 20, 2022
Property Address604 CENTRAL ST, LOWELL, MA 01852-3424
Document Number037082-260
Book / Page37082 / 260
Instrument DateMay 20, 2022
Instrument21799
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 CENTRAL ST, LOWELL, MA 01852-3424

Mortgage

Document Number0000021802
DateMay 20, 2022
Instrument21802
Lender
NameLOWELL LENDERS T
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateJun 3, 2020
Property Address604 CENTRAL ST, LOWELL, MA 01852-3424
Document Number34200-77
Book / Page034200 / 000077
Instrument DateJun 2, 2020
Instrument23920
Transaction TypeTransfer
Record UpdatedJun 24, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 CENTRAL ST LOWELL MA 018523424, LOWELL, MA 01852-3424

Mortgage

Document Number34200-91
DateJun 3, 2020
Book Page034200/000091
Instrument23924
Lender
NameLOWELL LENDERS T
Agreement
AmountAmount on Record

September 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateSep 9, 2019
Property Address604 CENTRAL ST, LOWELL, MA 01852-3424
Document Number33327-236
Book / Page33327 / 236
Instrument DateSep 6, 2019
Instrument38288
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address604 CENTRAL ST, LOWELL, MA 01852-3424

Mortgage

Document Number38289
DateSep 9, 2019
Instrument38289
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record

December 2017: Foreclosure

Document TypeForeclosure
JurisdictionLOWELL MA
Recording DateDec 22, 2017
Property Address604 CENTRAL ST, LOWELL, MA 01852-3424
Document Number31751-180
Book / Page031751 / 000180
Instrument DateDec 2, 2017
Instrument57661
Transaction TypeForeclosure
Record UpdatedJan 11, 2018

Transaction

AmountAmount on Record
Tax$852.72
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address645 TURNPIKE ST NORTH ANDOVER MA 01845, NORTH ANDOVER, MA 01845

Tax Assessment & Valuation

The 2026 property tax bill for 604 Central St was $9,274, up 6.5% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$9,274.00 (+6.49%)$420,800 (+8.09%) Land $98,600 Building $322,200
2025$8,709.00 (+24.1%)$389,300 (+29.08%) Land $92,100 Building $297,200
2024$7,018.00 (+1.33%)$301,600 (+6.09%) Land $87,700 Building $213,900
2023$6,926.00$284,300 Land $79,800 Building $204,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 604 Central St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 604 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 RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fiber · Fixed Wireless		980 / 880
AT&T
Fixed Wireless		100 / 20

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