77 Queen St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 77 Queen St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,307 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$160,050 (Oct 2017)
Tax Bill	$4,311 (2026)
Deeds & Mortgages	Dec 2019 Refinance Oct 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S08720`

Property Details

APN / Parcel Number

Primary APN	`S08720`
Alternative APNs	`LOWE M:121 B:4800 L:77` `M:000121 T:S08720`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,307 sqft Living Area
Gross Area	2,305 sqft
1st Floor Area	775 sqft
Basement Area	775 sqft
Unfinished Basement	775 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,920 sqft (0.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S08720
Street Address	77 QUEEN ST
City	LOWELL
State	MA
Zip	01851-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	USF
Legal Block	4800
Legal Lot Number	77
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1019
Census Tract	311200

Owner

77 Queen St is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	77 QUEEN ST, LOWELL, MA 01851-1929
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
Dec 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Oct 26, 2017	Quit Claim Deed, Transfer HOMESTEAD FUNDING CORP
Jun 26, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2017 · Amount on File
Deed Sale	Oct 26, 2017 · Amount on File
Prior Sale	Mar 28, 2016 · Amount on File
Deed Book / Page	31588 / 17
Transfer Doc	0031588-17
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	77 QUEEN ST, LOWELL, MA 01851-1929
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00033631-1
Date	Dec 6, 2019
Book Page	33631/1
Instrument	54635

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 26, 2017
Property Address	77 QUEEN ST, LOWELL, MA 01851-1929
Document Number	31588-17
Book / Page	31588 / 17
Instrument	47922
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	$25.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 QUEEN ST, LOWELL, MA 01851-1929

Mortgage

Document Number	315880020
Date	Oct 26, 2017
Instrument	31588/0020

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 26, 2017
Property Address	77 QUEEN ST, LOWELL, MA 01851-1929
Document Number	31232-213
Book / Page	031232 / 000213
Instrument Date	May 23, 2017
Instrument	26614
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 77 Queen St was $4,311, up 8.4% 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	$4,311.00 (+8.43%)	$379,800 (+9.67%) Land $124,800 Building $255,000	$414,159 (+2.19%)
2025	$3,976.00 (+2.55%)	$346,300 (+6.39%) Land $110,100 Building $236,200	$405,270 (-33.79%)
2024	$3,877.00 (+6.04%)	$325,500 (+10.56%) Land $102,900 Building $222,600	$612,085
2023	$3,656.00	$294,400 Land $89,500 Building $204,900

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

Flood

FEMA maps place 77 Queen St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

The area around 77 Queen 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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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