Middlesex County and Lowell City property record for 648 Central St, Lowell, MA 01852
| Property Type | Office Building |
|---|---|
| Details | 5 ba · 8,554 sqft · built 1950 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Company Name on File |
| Last Sale | $475,000 (Oct 2013) |
| Tax Bill | $12,796 (2026) |
| Deeds & Mortgages | Aug 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M09910 |
| Primary APN | M09910 |
|---|---|
| Alternative APNs |
|
| Full Baths | 5 Baths |
|---|---|
| Units | 3 Units |
| Stories | 3 Stories |
| Building Area | 8,554 sqft Total Area |
| Gross Area | 9,413 sqft |
| 1st Floor Area | 2,695 sqft |
| Basement Area | 2,667 sqft |
| Unfinished Basement | 2,667 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Mansard |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | M09910 |
|---|---|
| Street Address | 648 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3403 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | TMU |
| Legal Block | 1125 |
| Legal Lot Number | 648 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 312000 |
648 Central St, a commercial property, is owned by a company that bought it in October 2013.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 648 CENTRAL ST, LOWELL, MA 01852-3403 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2013 · Amount on File |
| Deed Sale | Oct 15, 2013 · Amount on File |
| Prior Sale | Sep 25, 1992 · Amount on File |
| Deed Book / Page | 210 / 177 |
| Transfer Doc | 210-177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 648 CENTRAL ST, LOWELL, MA 01852-3403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0038010-75 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 38010/75 |
| Instrument | 23811 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 648 Central St was $12,796, down 1.5% from the year before.
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 | $12,796.00 (-1.48%) | $580,600 (-) Land $100,600 Building $480,000 |
| 2025 | $12,988.00 (-3.1%) | $580,600 (+0.8%) Land $100,600 Building $480,000 |
| 2024 | $13,404.00 (-2.88%) | $576,000 (+1.66%) Land $100,600 Building $475,400 |
| 2023 | $13,802.00 | $566,600 Land $100,600 Building $466,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 648 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (1979) |
| Most Recent Claim | Jan 1979 · rainfall accumulation |
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.
The area around 648 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 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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