69 W 3rd St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 69 W 3rd St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,050 sqft · built 1940
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,000 (Dec 2021)
Tax Bill	$5,344 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2020 Refinance
Flood Zone	Zone X (moderate risk)
APN	`T04850`

Property Details

APN / Parcel Number

Primary APN	`T04850`
Alternative APNs	`LOWE M:176 B:6050 L:69` `M:000176 T:T04850`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,050 sqft Living Area
Gross Area	3,175 sqft
1st Floor Area	866 sqft
Basement Area	866 sqft
Unfinished Basement	866 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,307 sqft (0.03 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	T04850
Street Address	69 W 3RD ST
City	LOWELL
State	MA
Zip	01850-2443
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	USF
Legal Block	6050
Legal Lot Number	69
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1008
Census Tract	310400

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	2 Individual Names on Record
Mailing Address	69 W 3RD ST, LOWELL, MA 01850-2443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Quit Claim Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Jan 25, 2010 · Amount on Record
Deed Document Number	202172089
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 13, 2021
Property Address	69 W 3RD ST, LOWELL, MA 01850-2443
Document Number	036617-182
Book / Page	36617 / 182
Instrument Date	Dec 13, 2021
Instrument	72089
Transaction Type	Transfer
Record Updated	Dec 31, 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
Relationship	Tenants by the Entirety
Address	69 W 3RD ST, LOWELL, MA 01850-2443

Mortgage

Document Number	0000072090
Date	Dec 13, 2021
Instrument	72090

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	69 W 3RD ST, LOWELL, MA 01850-2443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34629-122
Date	Sep 16, 2020
Book Page	34629/122
Instrument	44711

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2045

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	$5,344.00 (+4.5%)	$470,800 (+5.68%) Land $95,200 Building $375,600	$566,350
2025	$5,114.00 (+9.16%)	$445,500 (+13.24%) Land $89,000 Building $356,500
2024	$4,685.00 (+7.36%)	$393,400 (+11.95%) Land $78,200 Building $315,200
2023	$4,364.00	$351,400 Land $68,000 Building $283,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 1,079 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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