74 Chapel St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 74 Chapel St, Lowell, MA 01852

Property Summary

Property Type	Triplex
Details	9 bd · 3 ba · 4,043 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Apr 2020)
Tax Bill	$8,180 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`O00840`

Property Details

APN / Parcel Number

Primary APN	`O00840`
Alternative APNs	`LOWE M:181 B:1150 L:74` `M:000181 T:O00840`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	4,043 sqft Living Area
Gross Area	6,096 sqft
1st Floor Area	1,530 sqft
Basement Area	1,530 sqft
Unfinished Basement	1,530 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	O00840
Street Address	74 CHAPEL ST
City	LOWELL
State	MA
Zip	01852-3938
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	UMF
Legal Block	1150
Legal Lot Number	74
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	311900

Owner

74 Chapel St, a triplex, is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	74 CHAPEL ST, LOWELL, MA 01852-3938
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 13, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 10, 2020	Quit Claim Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Apr 10, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2020 · Amount on File
Deed Sale	Apr 10, 2020 · Amount on File
Prior Sale	Mar 2, 2007 · Amount on File
Deed Document Number	202015173
Prior Transfer Date	Mar 25, 2020
Prior Transfer Doc	34005-110
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	74 CHAPEL ST, LOWELL, MA 01852-3938
Transaction Type	Mortgage
Record Updated	Mar 31, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037722-171
Date	Mar 13, 2023
Book Page	37722/171
Instrument	6851

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Apr 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 10, 2020
Property Address	74 CHAPEL ST, LOWELL, MA 01852-3938
Document Number	34005-114
Book / Page	34005 / 114
Instrument Date	Mar 25, 2020
Instrument	15173
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CHAPEL ST, LOWELL, MA 01852-3938

Mortgage

Document Number	15174
Date	Apr 10, 2020
Instrument	15174

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 10, 2020
Property Address	74 CHAPEL ST, LOWELL, MA 01852-3938
Document Number	34005-110
Book / Page	034005 / 000110
Instrument Date	Mar 25, 2020
Instrument	15172
Transaction Type	Transfer
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	68 5TH ST LOWELL MA 018502178, LOWELL, MA 01850-2178

Tax Assessment & Valuation

The 2026 property tax bill for 74 Chapel St was $8,180, up 10.8% 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	$8,180.00 (+10.75%)	$720,700 (+12.01%) Land $120,700 Building $600,000
2025	$7,386.00 (+5.57%)	$643,400 (+9.53%) Land $112,800 Building $530,600
2024	$6,996.00 (+1.88%)	$587,400 (+6.24%) Land $101,700 Building $485,700
2023	$6,867.00	$552,900 Land $88,500 Building $464,400

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

Flood

FEMA maps place 74 Chapel 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 74 Chapel 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 410 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	980 / 880
AT&T Fixed Wireless	100 / 20

74 Chapel St, Lowell, MA 01852 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Chapel St

Nearby Streets

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