74 Richards St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 74 Richards St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Nov 2021)
Tax Bill	$5,011 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M09640`

Property Details

APN / Parcel Number

Primary APN	`M09640`
Alternative APNs	`LOWE M:214 B:4915 L:74` `M:000214 T:M09640`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	1,858 sqft
1st Floor Area	576 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M09640
Street Address	74 RICHARDS ST
City	LOWELL
State	MA
Zip	01850-2252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	4915
Legal Lot Number	74
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2002
Census Tract	310200

Owner

74 Richards St is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	74 RICHARDS ST, LOWELL, MA 01850-2252
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
Nov 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP
Jun 21, 2019	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE
Mar 1, 2018	Quit Claim Deed, Transfer
Dec 27, 2017	Quit Claim Deed, Transfer Quitclaim
Mar 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage RAYMOND TETU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on File
Deed Sale	Nov 1, 2021 · Amount on File
Prior Sale	Jun 21, 2019 · Amount on File
Deed Document Number	202163749
Prior Transfer Date	Oct 29, 2021
Prior Transfer Doc	36453-32
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Nov 1, 2021
Property Address	74 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	36453-32
Book / Page	36453 / 32
Instrument Date	Oct 29, 2021
Instrument	63749
Transaction Type	Transfer
Record Updated	Nov 19, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	74 RICHARDS ST, LOWELL, MA 01850-2252

Mortgage

Document Number	63750
Date	Nov 1, 2021
Instrument	63750

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 21, 2019
Property Address	74 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	33080-149
Book / Page	033080 / 000149
Instrument Date	Jun 20, 2019
Instrument	24373
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,639.32
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RICHARDS ST LOWELL MA 018502252, LOWELL, MA 01850-2252

Mortgage

Document Number	33080-151
Date	Jun 21, 2019
Book Page	033080/000151
Instrument	24374

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 1, 2018
Property Address	74 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	31900-145
Book / Page	031900 / 000145
Instrument Date	Mar 1, 2018
Instrument	8390
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Tax	$775.20
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 BENOIT LN TYNGSBORO MA 018791102, TYNGSBORO, MA 01879-1102

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 27, 2017
Property Address	74 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	31760-89
Book / Page	031760 / 000089
Instrument Date	Dec 20, 2017
Instrument	58179
Transaction Type	Transfer
Record Updated	Jan 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 RICHARDS ST LOWELL MA 018502252, LOWELL, MA 01850-2252

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	74 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	30972-11
Book / Page	030972 / 000011
Instrument Date	Mar 10, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30972-11
Date	Mar 15, 2017
Book Page	030972/000011
Instrument	10571

Lender

Name	RAYMOND TETU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 14, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 74 Richards St was $5,011, up 6.4% 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	Assessed Market Value
2026	$5,011.00 (+6.41%)	$441,500 (+7.63%) Land $143,900 Building $297,600	$434,285 (-7.85%)
2025	$4,709.00 (+2.57%)	$410,200 (+6.41%) Land $134,500 Building $275,700	$471,295 (+1.62%)
2024	$4,591.00 (+6.1%)	$385,500 (+10.65%) Land $125,700 Building $259,800	$463,790
2023	$4,327.00	$348,400 Land $109,300 Building $239,100

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

Flood

FEMA maps place 74 Richards 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 Richards 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

74 Richards St, Lowell, MA 01850 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

November 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

December 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Richards St

Nearby Streets

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