635 Middlesex St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 635 Middlesex St, Lowell, MA 01851

Property Summary

Property Type	Apartments (5+ Units)
Details	2,744 sqft · built 1905
Lot Size	0.07 acres (3,049 sqft)
Owner	Company Name on Record
Last Sale	$299,000 (Oct 2022)
Tax Bill	$3,768 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A00310`

Property Details

APN / Parcel Number

Primary APN	`A00310`
Alternative APNs	`LOWE M:140 B:4085 L:635` `M:000140 T:A00310`

Interior

Units	6 Units
Stories	3 Stories
Building Area	2,744 sqft Living Area
Gross Area	5,432 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Account Number	A00310
Street Address	635 MIDDLESEX ST
City	LOWELL
State	MA
Zip	01851-1405
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	UMU
Legal Block	4085
Legal Lot Number	635
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	311200

Owner

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	Company Name on Record
Mailing Address	58 CLARK ST, R, WILMINGTON, MA 01887-2708
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2025	Deed of Trust, Mortgage · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK
Oct 14, 2022	Quit Claim Deed, Transfer
May 23, 2022	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	May 23, 2022 · Amount on Record
Deed Document Number	202242772
Deed Book / Page	37444 / 58
Prior Transfer Date	Oct 12, 2022
Prior Transfer Doc	0037444-58
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	635 MIDDLESEX ST, LOWELL, MA 01851-1405
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039379-128
Date	Jul 14, 2025
Book Page	39379/128
Instrument	21479

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 14, 2022
Property Address	635 MIDDLESEX ST, LOWELL, MA 01851-1405
Document Number	0037444-58
Book / Page	37444 / 58
Instrument Date	Oct 12, 2022
Instrument	42772
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Amount	Amount Recorded
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	58 CLARK ST # R, R, WILMINGTON, MA 01887-2708

May 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LOWELL MA
Recording Date	May 23, 2022
Property Address	635 MIDDLESEX ST, LOWELL, MA 01851-1405
Document Number	037086-269
Book / Page	37086 / 269
Instrument Date	May 19, 2022
Instrument	22033
Transaction Type	Transfer
Record Updated	Jan 25, 2024

Transaction

Amount	Amount Recorded
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	60 HIGHLAND AVE, TEWKSBURY, MA 01876-3447

Tax Assessment & Valuation

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	$3,768.00 (+6.74%)	$332,000 (+7.97%) Land $136,500 Building $195,500
2025	$3,530.00 (+1.76%)	$307,500 (+5.56%) Land $127,600 Building $179,900
2024	$3,469.00 (-3.02%)	$291,300 (+1.15%) Land $119,200 Building $172,100
2023	$3,577.00	$288,000 Land $103,700 Building $184,300

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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 571 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

May also be available: T-Mobile.

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