Middlesex County and Lowell City property record for 61 Plain St, Lowell, MA 01851
| Property Type | Restaurant |
|---|---|
| Details | 3 bd · 2 ba · 1,830 sqft · built 1870 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $340,000 (May 2022) |
| Tax Bill | $8,078 (2026) |
| Deeds & Mortgages | May 2022 Sale Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T04050 |
| Primary APN | T04050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,830 sqft Total Area |
| Gross Area | 3,500 sqft |
| 1st Floor Area | 915 sqft |
| Attic | Attic |
| Attic Area | 747 sqft |
| Basement Area | 747 sqft |
| Unfinished Basement | 747 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | T04050 |
|---|---|
| Street Address | 61 PLAIN ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-4418 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | RR |
| Legal Block | 4665 |
| Legal Lot Number | 61 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 311600 |
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3 FERNALD ST, LOWELL, MA 01851-2634 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2022 | Quit Claim Deed, Transfer |
| Feb 15, 2019 | Quit Claim Deed, Transfer · Commercial Mortgage EASTERN BANK |
| Jun 19, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage STEVEN A PHOLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2022 · Amount on Record |
| Deed Sale | May 26, 2022 · Amount on Record |
| Prior Sale | Jun 19, 2018 · Amount on Record |
| Deed Book / Page | 37096 / 157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 26, 2022 |
| Property Address | 61 PLAIN ST, LOWELL, MA 01851-4418 |
| Document Number | 037096-157 |
| Book / Page | 37096 / 157 |
| Instrument Date | May 26, 2022 |
| Instrument | 22602 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 FERNALD ST, LOWELL, MA 01851-2634 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Feb 15, 2019 |
| Property Address | 61 PLAIN ST, LOWELL, MA 01851-4418 |
| Document Number | 32771-92 |
| Book / Page | 32771 / 92 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 5882 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 61 PLAIN ST, LOWELL, MA 01851-4418 |
| Document Number | 32771-95 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 32771/95 |
| Instrument | 5883 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jun 19, 2018 |
| Property Address | 61 PLAIN ST, LOWELL, MA 01851-4418 |
| Document Number | 32167-295 |
| Book / Page | 032167 / 000295 |
| Instrument Date | Jun 7, 2018 |
| Instrument | 25303 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,231.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 61 PLAIN ST LOWELL MA 018514418, LOWELL, MA 01851-4418 |
| Document Number | 32168-6 |
|---|---|
| Date | Jun 19, 2018 |
| Book Page | 032168/000006 |
| Instrument | 25305 |
| Name | STEVEN A PHOLY |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $8,078.00 (+6.36%) | $366,500 (+7.95%) Land $154,700 Building $211,800 |
| 2025 | $7,595.00 (+0.7%) | $339,500 (+4.75%) Land $144,600 Building $194,900 |
| 2024 | $7,542.00 (+3.23%) | $324,100 (+8.07%) Land $137,700 Building $186,400 |
| 2023 | $7,306.00 | $299,900 Land $125,200 Building $174,700 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 659 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 |
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