Middlesex County and Lowell City property record for 654 School St, Lowell, MA 01851
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 3 ba · 2,527 sqft · built 1900 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $630,000 (Jul 2026) |
| Tax Bill | $6,516 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | C02710 |
| Primary APN | C02710 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,527 sqft Living Area |
| Gross Area | 4,817 sqft |
| 1st Floor Area | 1,173 sqft |
| Attic | Attic |
| Attic Area | 1,188 sqft |
| Basement Area | 1,173 sqft |
| Unfinished Basement | 1,173 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 5,663 sqft (0.13 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Account Number | C02710 |
|---|---|
| Street Address | 654 SCHOOL ST |
| City | LOWELL |
| State | MA |
| Zip | 01851-3702 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TTF |
| Legal Block | 5240 |
| Legal Lot Number | 654 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 311700 |
654 School St, a duplex, is owned and occupied by an individual who bought it in July 2026.
Source: Middlesex County and Lowell City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 654 SCHOOL ST, LOWELL, MA 01851-3702 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2026 · Amount on File |
| Deed Sale | Jul 29, 2026 · Amount on File |
| Deed Document Number | 202624520 |
| Deed Book / Page | 40239 / 10 |
| Prior Transfer Date | Jul 27, 2026 |
| Prior Transfer Doc | 0000024520 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 29, 2026 |
| Property Address | 654 SCHOOL ST, LOWELL, MA 01851-3702 |
| Document Number | 0000024520 |
| Book / Page | 40239 / 10 |
| Instrument Date | Jul 27, 2026 |
| Instrument | 202624520 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2026 |
| 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 |
|---|---|
| Address | 654 SCHOOL ST, LOWELL, MA 01851-3702 |
| Document Number | 0000024521, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 40239/14 |
| Instrument | 202624521 |
| Name | A MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 654 School St was $6,516, up 4.6% 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 | $6,516.00 (+4.59%) | $574,100 (+5.79%) Land $166,800 Building $407,300 | $609,077 |
| 2025 | $6,230.00 (+7.01%) | $542,700 (+11.03%) Land $155,900 Building $386,800 | |
| 2024 | $5,822.00 (+7.54%) | $488,800 (+12.14%) Land $140,300 Building $348,500 | |
| 2023 | $5,414.00 | $435,900 Land $122,000 Building $313,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 654 School 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 654 School 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 1,002 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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