677 Bridge St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 677 Bridge St, Lowell, MA 01850

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,000 sqft · built 1984
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Last Sale	$800,000 (Mar 2018)
Tax Bill	$13,239 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M91945`

Property Details

APN / Parcel Number

Primary APN	`M91945`
Alternative APNs	`LOWE M:196 B:780 L:677` `M:000196 T:M91945`

Interior

Units	2 Units
Stories	1 Story
Building Area	4,000 sqft Total Area
Gross Area	4,102 sqft
1st Floor Area	4,000 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Duplex Single
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	M91945
Street Address	677 BRIDGE ST
City	LOWELL
State	MA
Zip	01850-2044
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	TMU
Legal Block	780
Legal Lot Number	677
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	4
Census Block	4008
Census Tract	310200

Owner

677 Bridge St, a commercial property, is owned by a company that bought it in March 2018.

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

Owner of Record	Company Name on File
Mailing Address	677 BRIDGE ST, LOWELL, MA 01850-2044
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2021	Deed of Trust, Mortgage · Commercial Mortgage SALEM FIVE CENTS SAVINGS BANK
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK
Jan 14, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK
Mar 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK
Mar 14, 2018	Quit Claim Deed, Transfer ENTERPRISE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2018 · Amount on File
Deed Sale	Mar 14, 2018 · Amount on File
Prior Sale	Aug 9, 2004 · Amount on File
Deed Book / Page	31925 / 119
Transfer Doc	031925-119
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	677 BRIDGE ST, LOWELL, MA 01850-2044
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036646-253
Date	Dec 21, 2021
Book Page	36646/253
Instrument	73620

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	677 BRIDGE ST, LOWELL, MA 01850-2044
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037916-217
Date	Jun 28, 2023
Book Page	37916/217
Instrument	18379

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	677 BRIDGE ST, LOWELL, MA 01850-2044
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039019-1
Date	Jan 14, 2025
Book Page	39019/1
Instrument	1201

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	677 BRIDGE ST, LOWELL, MA 01850-2044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33924-213
Date	Mar 17, 2020
Book Page	33924/213
Instrument	11565

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 14, 2018
Property Address	677 BRIDGE ST, LOWELL, MA 01850-2044
Document Number	31925-119
Book / Page	31925 / 119
Instrument	9948
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128.04
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 BRIDGE ST, LOWELL, MA 01850-2044

Mortgage

Document Number	319250122
Date	Mar 14, 2018
Instrument	31925/0122

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 677 Bridge St was $13,239, up 3.4% 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
2026	$13,239.00 (+3.39%)	$600,700 (+4.94%) Land $210,200 Building $390,500
2025	$12,805.00 (+1.01%)	$572,400 (+5.07%) Land $196,400 Building $376,000
2024	$12,677.00 (+1.48%)	$544,800 (+6.24%) Land $187,000 Building $357,800
2023	$12,492.00	$512,800 Land $170,100 Building $342,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 677 Bridge 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.

Wildfire

The area around 677 Bridge 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 1,079 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

May also be available: T-Mobile.

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