651 E Merrimack St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 651 E Merrimack St, Lowell, MA 01852

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,160 sqft · built 1960
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$263,000 (Mar 2002)
Tax Bill	$7,004 (2026)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P04623`

Property Details

APN / Parcel Number

Primary APN	`P04623`
Alternative APNs	`LOWE M:232 B:1950 L:651` `M:000232 T:P04623`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,532 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	P04623
Street Address	651 E MERRIMACK ST
City	LOWELL
State	MA
Zip	01852-1418
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SSF
Legal Block	1950
Legal Lot Number	651
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3005
Census Tract	312501

Owner

651 E Merrimack St, a duplex, is owned and occupied by an individual who bought it in March 2002.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	651 E MERRIMACK ST, LOWELL, MA 01852-1418
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2002 · Amount on File
Deed Sale	Mar 29, 2002 · Amount on File
Record Updated	Oct 29, 2026

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 23, 2017
Property Address	651 E MERRIMACK ST, LOWELL, MA 01852-1418
Document Number	31227-225
Book / Page	031227 / 000225
Instrument Date	Jun 15, 2017
Instrument	26359
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651-653 E MERRIMACK ST LOWELL MA 018521418, LOWELL, MA 01852-1418

Mortgage

Document Number	31227-230
Date	Jun 23, 2017
Book Page	031227/000230
Instrument	26360

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 22, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 651 E Merrimack St was $7,004, up 2.5% 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	$7,004.00 (+2.46%)	$617,100 (+3.63%) Land $218,200 Building $398,900	$606,355
2025	$6,836.00 (+9.31%)	$595,500 (+13.41%) Land $203,900 Building $391,600
2024	$6,254.00 (+5.66%)	$525,100 (+10.18%) Land $190,600 Building $334,500
2023	$5,919.00	$476,600 Land $165,700 Building $310,900

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

Flood

FEMA maps place 651 E Merrimack 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 (1982–1983)
Most Recent Claim	May 1983 · tidal / storm surge

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

The area around 651 E Merrimack 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880