Middlesex County and Lowell City property record for 645 Central St, Lowell, MA 01852
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,922 sqft · built 1900 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Companies on Record |
| Last Sale | $209,900 (May 2001) |
| Tax Bill | $6,656 (2025) |
| Deeds & Mortgages | Jan 2026 Transfer Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | Y00230 |
| Primary APN | Y00230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,922 sqft Living Area |
| Gross Area | 4,697 sqft |
| 1st Floor Area | 1,207 sqft |
| Basement Area | 1,127 sqft |
| Unfinished Basement | 518 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | Y00230 |
|---|---|
| Street Address | 645 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3428 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TMU |
| Legal Subdivision | PLAN 1897-B |
| Legal Block | 1125 |
| Legal Lot Number | 645 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 311900 |
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Companies on Record |
|---|---|
| Mailing Address | 378 LOWELL ST, ANDOVER, MA 01810-4415 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Jan 21, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2001 · Amount on Record |
| Deed Sale | May 31, 2001 · Amount on Record |
| Deed Book / Page | 180 / 79 |
| Last Transfer Date | Dec 9, 2025 |
| Transfer Doc | 039813-165 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jan 21, 2026 |
| Property Address | 645 CENTRAL ST, LOWELL, MA 01852-3428 |
| Document Number | 039813-165 |
| Book / Page | 39813 / 165 |
| Instrument Date | Dec 9, 2025 |
| Instrument | 1912 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 378 LOWELL ST, ANDOVER, MA 01810-4415 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 645 CENTRAL ST, LOWELL, MA 01852-3428 |
| Document Number | 31713-204 |
| Book / Page | 031713 / 000204 |
| Instrument Date | Dec 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 31713-204 |
|---|---|
| Date | Dec 11, 2017 |
| Book Page | 031713/000204 |
| Instrument | 55461 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 10, 2037 |
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 |
|---|---|---|
| 2025 | $6,656.00 (+8.6%) | $579,800 (+12.67%) Land $104,400 Building $475,400 |
| 2024 | $6,129.00 (+7.38%) | $514,600 (+11.97%) Land $94,200 Building $420,400 |
| 2023 | $5,708.00 | $459,600 Land $81,900 Building $377,700 |
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 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 |
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