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655 Stevens St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 655 Stevens St, Lowell, MA 01851

Property Summary

Property TypeDuplex
Details8 bd · 2 ba · 3,500 sqft · built 1950
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$765,000 (Dec 2022)
Tax Bill$10,280 (2026)
Deeds & MortgagesApr 2025 Mortgage
Dec 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNP10185

Property Details

APN / Parcel Number

Primary APNP10185
Alternative APNs
  • LOWE M:108 B:5525 L:655
  • M:000108 T:P10185

Interior

Bedrooms8 Beds
Full Baths2 Baths
Total Rooms16 Rooms
Units2 Units
Stories2 Stories
Building Area3,500 sqft Living Area
Gross Area7,034 sqft
1st Floor Area1,764 sqft
Basement Area1,736 sqft
Unfinished Basement1,736 sqft

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Architectural StyleDuplex Single
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,405 sqft (0.17 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account NumberP10185
Street Address655 STEVENS ST
CityLOWELL
StateMA
Zip01851-4519
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeTTF
Legal Block5525
Legal Lot Number655
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group3
Census Block3011
Census Tract311600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address24 BELMONT RD, BILLERICA, MA 01821-2030
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2025Deed of Trust, Mortgage · Conventional Mortgage
LEADER BANK NA
Dec 16, 2022Quit Claim Deed, Transfer · Stand-Alone First Mortgage
LEADER BANK NA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 16, 2022 · Amount on Record
Deed SaleDec 16, 2022 · Amount on Record
Deed Book / Page37579 / 130
Record UpdatedOct 29, 2026

April 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address655 STEVENS ST, LOWELL, MA 01851-4519
Transaction TypeMortgage
Record UpdatedNov 25, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number039204-237
DateApr 24, 2025
Book Page39204/237
Instrument11850
Lender
NameLEADER BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2055

December 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateDec 16, 2022
Property Address655 STEVENS ST, LOWELL, MA 01851-4519
Document Number037579-130
Book / Page37579 / 130
Instrument DateDec 16, 2022
Instrument51026
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address24 BELMONT RD, BILLERICA, MA 01821-2030
InvestorPossibly a Property Investor

Mortgage

Document Number0000051027
DateDec 16, 2022
Instrument51027
Lender
NameLEADER BANK NA
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$10,280.00 (+4.67%)$905,700 (+5.87%) Land $215,200 Building $690,500$754,223
2025$9,821.00 (+7.49%)$855,500 (+11.51%) Land $201,100 Building $654,400
2024$9,137.00 (+7.6%)$767,200 (+12.21%) Land $188,000 Building $579,200
2023$8,492.00$683,700 Land $163,400 Building $520,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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 659 locations within half a mile, as of December 31, 2025

ProviderMax 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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