Middlesex County and Lowell City property record for 648 Stevens St, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,480 sqft · built 1920 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Oct 2021) |
| Tax Bill | $5,924 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M12655 |
| Primary APN | M12655 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 2,848 sqft |
| 1st Floor Area | 852 sqft |
| Basement Area | 852 sqft |
| Unfinished Basement | 852 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | M12655 |
|---|---|
| Street Address | 648 STEVENS ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Subdivision | FRANK A & GERTRUDE A STEPHENSO |
| Legal Block | 5525 |
| Legal Lot Number | 648 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 311600 |
648 Stevens St is owned and occupied by two individuals who bought it in October 2021.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 648 STEVENS ST, LOWELL, MA 01851-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on File |
| Deed Sale | Oct 15, 2021 · Amount on File |
| Prior Sale | Dec 13, 2013 · Amount on File |
| Deed Book / Page | 36386 / 28 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 15, 2021 |
| Property Address | 648 STEVENS ST, LOWELL, MA 01851-4518 |
| Document Number | 36386-28 |
| Book / Page | 36386 / 28 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 60528 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 648 STEVENS ST, LOWELL, MA 01851-4518 |
| Document Number | 60529 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 60529 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 648 Stevens St was $5,924, up 7.1% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,924.00 (+7.11%) | $521,900 (+8.32%) Land $224,200 Building $297,700 | $540,026 (-7.43%) |
| 2025 | $5,531.00 (+2.67%) | $481,800 (+6.52%) Land $209,600 Building $272,200 | $583,395 (+9.08%) |
| 2024 | $5,387.00 (+6.76%) | $452,300 (+11.32%) Land $195,800 Building $256,500 | $534,850 |
| 2023 | $5,046.00 | $406,300 Land $170,300 Building $236,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 648 Stevens 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.
The area around 648 Stevens 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 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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