77 Bernier St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 77 Bernier St, Lowell, MA 01852

Property Summary

Property Type	Apartments (5+ Units)
Details	20 bd · 12 ba · 9,072 sqft · built 1960
Lot Size	0.35 acres (15,246 sqft)
Owner	Company Name on Record
Last Sale	$1,530,000 (Aug 2018)
Tax Bill	$25,603 (2026)
Deeds & Mortgages	May 2021 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M20365`

Property Details

APN / Parcel Number

Primary APN	`M20365`
Alternative APNs	`LOWE M:242 B:555 L:77` `M:000242 T:M20365`

Interior

Bedrooms	20 Beds
Full Baths	12 Baths
Total Rooms	48 Rooms
Units	12 Units
Stories	2 Stories
Building Area	9,072 sqft Living Area
Gross Area	9,720 sqft
1st Floor Area	3,240 sqft
Basement Area	3,240 sqft
Unfinished Basement	3,240 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	M20365
Street Address	77 BERNIER ST
City	LOWELL
State	MA
Zip	01852-5826
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	TMF
Legal Block	555
Legal Lot Number	77
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1006
Census Tract	312300

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	Company Name on Record
Mailing Address	11 BERKSHIRE DR, FRANKLIN, MA 02038-1192
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GREYSTONE SERVICING CORP
Aug 22, 2018	Quit Claim Deed, Transfer GREYSTONE SVCNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2018 · Amount on Record
Deed Sale	Aug 22, 2018 · Amount on Record
Prior Sale	Jan 29, 2007 · Amount on Record
Deed Book / Page	32347 / 33
Transfer Doc	0032347-33
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	77 BERNIER ST, LOWELL, MA 01852-5826
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035808-58
Date	May 27, 2021
Book Page	35808/58
Instrument	31731

Lender

Name	GREYSTONE SERVICING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 22, 2018
Property Address	77 BERNIER ST, LOWELL, MA 01852-5826
Document Number	32347-33
Book / Page	032347 / 000033
Instrument Date	Aug 22, 2018
Instrument	36504
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Amount	Amount Recorded
Tax	$6,976.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 BERKSHIRE DR FRANKLIN MA 020381192, FRANKLIN, MA 02038-1192

Mortgage

Document Number	32347-36
Date	Aug 22, 2018
Book Page	032347/000036
Instrument	36505

Lender

Name	GREYSTONE SVCNG

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Aug 21, 2038

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
2026	$25,603.00 (+7.84%)	$2,255,800 (+9.08%) Land $396,000 Building $1,859,800
2025	$23,742.00 (+1.52%)	$2,068,100 (+5.32%) Land $369,600 Building $1,698,500
2024	$23,386.00 (+2.44%)	$1,963,600 (+6.83%) Land $345,000 Building $1,618,600
2023	$22,828.00	$1,838,000 Land $300,000 Building $1,538,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 275 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: AT&T, T-Mobile.

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