682 School St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 682 School St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,588 sqft · built 1890
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Dec 2020)
Tax Bill	$6,546 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S12280`

Property Details

APN / Parcel Number

Primary APN	`S12280`
Alternative APNs	`LOWE M:123 B:5240 L:682` `M:000123 T:S12280`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,588 sqft Living Area
Gross Area	4,108 sqft
1st Floor Area	1,222 sqft
Basement Area	1,222 sqft
Unfinished Basement	1,222 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S12280
Street Address	682 SCHOOL ST
City	LOWELL
State	MA
Zip	01851-3702
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Subdivision	LAND LOWELL BELONGING ROBERT W
Legal Block	5240
Legal Lot Number	682
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3004
Census Tract	311700

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 Record	Individual Name on Record
Mailing Address	682 SCHOOL ST, LOWELL, MA 01851-3702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	202066394
Prior Transfer Date	Nov 12, 2020
Prior Transfer Doc	35077-65
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 18, 2020
Property Address	682 SCHOOL ST, LOWELL, MA 01851-3702
Document Number	35077-65
Book / Page	35077 / 65
Instrument Date	Nov 12, 2020
Instrument	66394
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	682 SCHOOL ST, LOWELL, MA 01851-3702

Mortgage

Document Number	66395
Date	Dec 18, 2020
Instrument	66395

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$6,546.00 (+4.67%)	$576,700 (+5.86%) Land $167,400 Building $409,300	$621,234
2025	$6,254.00 (+8.46%)	$544,800 (+12.54%) Land $156,400 Building $388,400
2024	$5,766.00 (+7.74%)	$484,100 (+12.35%) Land $140,800 Building $343,300
2023	$5,352.00	$430,900 Land $122,400 Building $308,500

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 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

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 1,002 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