74 Harlem St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 74 Harlem St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,554 sqft · built 1969
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2026)
Tax Bill	$5,998 (2026)
Deeds & Mortgages	Oct 2022 Refinance Jul 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`D03796`

Property Details

APN / Parcel Number

Primary APN	`D03796`
Alternative APNs	`LOWE M:95 B:2865 L:74` `M:000095 T:D03796`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,554 sqft Living Area
Gross Area	2,755 sqft
1st Floor Area	775 sqft
Basement Area	744 sqft
Unfinished Basement	644 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	D03796
Street Address	74 HARLEM ST
City	LOWELL
State	MA
Zip	01854-1716
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SSF
Legal Subdivision	COMPLIED PLAN LAND LOWELL
Legal Block	2865
Legal Lot Number	74
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3002
Census Tract	310500

Owner

74 Harlem St, a duplex, is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	74 HARLEM ST, LOWELL, MA 01854-1716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jul 21, 2026	Quit Claim Deed, Transfer Quitclaim
Jun 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKLAND TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on File
Deed Sale	Jun 12, 2026 · Amount on File
Prior Sale	Jun 24, 1999 · Amount on File
Deed Document Number	202618470
Deed Book / Page	40125 / 258
Transfer Doc	28471-205
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	74 HARLEM ST, LOWELL, MA 01854-1716
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037455-260
Date	Oct 19, 2022
Book Page	37455/260
Instrument	43456

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 21, 2026
Property Address	74 HARLEM ST, LOWELL, MA 01854-1716
Document Number	0000023306
Book / Page	40215 / 149
Instrument Date	Jun 20, 2026
Instrument	202623306
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	74 HARLEM ST, LOWELL, MA 01854-1716

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 12, 2026
Property Address	74 HARLEM ST, LOWELL, MA 01854-1716
Document Number	040125-258
Book / Page	40125 / 258
Instrument Date	May 29, 2026
Instrument	202618470
Transaction Type	Transfer
Record Updated	Jul 1, 2026

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	74 HARLEM ST, LOWELL, MA 01854-1716

Mortgage

Date	Jun 12, 2026

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 74 Harlem St was $5,998, down 0.5% 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	Assessed Market Value
2026	$5,998.00 (-0.53%)	$528,500 (+0.61%) Land $166,600 Building $361,900	$622,393
2025	$6,030.00 (+2.74%)	$525,300 (+6.59%) Land $162,800 Building $362,500
2024	$5,869.00 (+6.44%)	$492,800 (+10.99%) Land $172,000 Building $320,800
2023	$5,514.00	$444,000 Land $155,300 Building $288,700

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

Flood

FEMA maps place 74 Harlem 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

Wildfire risk around 74 Harlem St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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