628 School St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 628 School St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,421 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Feb 2024)
Tax Bill	$9,078 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`N01630`

Property Details

APN / Parcel Number

Primary APN	`N01630`
Alternative APNs	`LOWE M:122 B:5240 L:628` `M:000122 T:N01630`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,421 sqft Living Area
Gross Area	6,543 sqft
1st Floor Area	1,266 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,224 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	N01630
Street Address	628 SCHOOL ST
City	LOWELL
State	MA
Zip	01851-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMU
Legal Block	5240
Legal Lot Number	628
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2004
Census Tract	311800

Owner

628 School St is owned and occupied by two individuals who acquired it in September 2024.

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 Individual Names on File
Mailing Address	628 SCHOOL ST, LOWELL, MA 01851-2612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2024 · Amount on File
Deed Sale	Feb 9, 2024 · Amount on File
Prior Sale	Jun 12, 2014
Deed Document Number	20243267
Deed Book / Page	38317 / 290
Last Transfer Date	Sep 12, 2024
Transfer Doc	0038751-67
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 9, 2024
Property Address	628 SCHOOL ST, LOWELL, MA 01851-2612
Document Number	038317-290
Book / Page	38317 / 290
Instrument Date	Feb 9, 2024
Instrument	3267
Transaction Type	Transfer
Record Updated	Feb 23, 2024

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
Address	628 SCHOOL ST, LOWELL, MA 01851-2612

Mortgage

Document Number	0000003268
Date	Feb 9, 2024
Instrument	3268

Lender

Name	NORTHERN HOME LOANS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 628 School St was $9,078, up 7.7% 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	Assessed Market Value
2026	$9,078.00 (+7.74%)	$799,800 (+8.96%) Land $155,700 Building $644,100	$701,014 (+12.08%)
2025	$8,426.00 (+2.43%)	$734,000 (+6.27%) Land $137,300 Building $596,700	$625,480 (+17.95%)
2024	$8,226.00 (+5.26%)	$690,700 (+9.77%) Land $128,300 Building $562,400	$530,290
2023	$7,815.00	$629,200 Land $111,600 Building $517,600

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

Flood

FEMA maps place 628 School 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 628 School 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 1,002 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