76 Florence Ave, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 76 Florence Ave, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,692 sqft · built 1915
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (Apr 2024)
Tax Bill	$6,901 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`H05284`

Property Details

APN / Parcel Number

Primary APN	`H05284`
Alternative APNs	`LOWE M:89 B:2345 L:76` `M:000089 T:H05284`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,692 sqft Living Area
Gross Area	5,373 sqft
1st Floor Area	1,420 sqft
Basement Area	1,226 sqft
Unfinished Basement	1,226 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	6,970 sqft (0.16 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	H05284
Street Address	76 FLORENCE AVE
City	LOWELL
State	MA
Zip	01851-3013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2345
Legal Lot Number	76
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3003
Census Tract	311500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

76 Florence Ave is owned and occupied by an individual who bought it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 24, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
May 6, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 19, 2024	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 24, 2019	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS
Apr 18, 2017	Quit Claim Deed, Transfer · FHA Mortgage BLUE HILLS BANK
May 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2024 · Amount on File
Deed Sale	Apr 19, 2024 · Amount on File
Prior Sale	Jun 24, 2019 · Amount on File
Deed Document Number	202410412
Deed Book / Page	38438 / 125
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	Aug 24, 2026
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Document Number	0000027878
Book / Page	40302 / 1
Instrument Date	Jul 8, 2026
Instrument	202627878
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 FLORENCE AVE, LOWELL, MA 01851-3013

Mortgage

Document Number	0000027878,
Date	Aug 24, 2026
Book Page	40302/1
Instrument	202627878

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035716-160
Date	May 6, 2021
Book Page	35716/160
Instrument	27027

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jun 1, 2049

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 19, 2024
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Document Number	038438-125
Book / Page	38438 / 125
Instrument Date	Apr 19, 2024
Instrument	10412
Transaction Type	Transfer
Record Updated	May 3, 2024

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	Joint Tenants with Right of Survivorship
Address	76 FLORENCE AVE, LOWELL, MA 01851-3013

Mortgage

Document Number	0000010413
Date	Apr 19, 2024
Instrument	10413

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 24, 2019
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Document Number	33084-64
Book / Page	033084 / 000064
Instrument Date	Jun 21, 2019
Instrument	24597
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	$1,559.52
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 FLORENCE AVE LOWELL MA 018513013, LOWELL, MA 01851-3013

Mortgage

Document Number	33084-68
Date	Jun 24, 2019
Book Page	033084/000068
Instrument	24598

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2049

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 18, 2017
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Document Number	31051-69
Book / Page	31051 / 69
Instrument	15557
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.92
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	310510072
Date	Apr 18, 2017
Instrument	31051/0072

Lender

Name	BLUE HILLS BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 1, 2017
Property Address	76 FLORENCE AVE, LOWELL, MA 01851-3013
Document Number	31083-265
Book / Page	031083 / 000265
Instrument Date	Apr 15, 2017
Instrument	17526
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	76 FLORENCE ST LOWELL MA 01852, LOWELL, MA 01852

Tax Assessment & Valuation

The 2026 property tax bill for 76 Florence Ave was $6,901, 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	$6,901.00 (+6.43%)	$608,000 (+7.65%) Land $182,800 Building $425,200	$651,880 (+46.5%)
2025	$6,484.00 (+2.14%)	$564,800 (+5.97%) Land $170,900 Building $393,900	$444,980
2024	$6,348.00 (+5.99%)	$533,000 (+10.54%) Land $161,200 Building $371,800
2023	$5,989.00	$482,200 Land $140,100 Building $342,100

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

Flood

FEMA maps place 76 Florence Ave 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 76 Florence Ave 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 809 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

May also be available: T-Mobile.

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