Middlesex County and Lowell City property record for 78 3rd St, Lowell, MA 01850
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,155,000 (Aug 2025) |
| Tax Bill | $9,748 (2025) |
| Deeds & Mortgages | Jun 2022 Refinance Aug 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T02470 |
| Primary APN | T02470 |
|---|---|
| Alternative APNs |
|
| Lot Area | 4,792 sqft (0.11 acres) |
|---|---|
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Account Number | T02470 |
|---|---|
| Street Address | 78 3RD ST |
| City | LOWELL |
| State | MA |
| Zip | 01850-2510 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Local Zoning Code | TTF |
| Legal Block | 5675 |
| Legal Lot Number | 78 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 310200 |
Source: Middlesex County and Lowell City records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 6 BLUEBERRY LN, WESTFORD, MA 01886-2780 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK |
| Aug 7, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage JEANNE D ARC CU |
| Jan 15, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON SAVINGS BANK |
| Apr 28, 2017 | Quit Claim Deed, Transfer THE WASHINGTON SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2025 · Amount on Record |
| Deed Sale | Aug 7, 2025 · Amount on Record |
| Prior Sale | Apr 28, 2017 · Amount on Record |
| Deed Document Number | 20252024758 |
| Deed Book / Page | 39440 / 190 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 78 3RD ST, LOWELL, MA 01850-2510 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0037177-28 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 37177/28 |
| Instrument | 27178 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Aug 7, 2025 |
| Property Address | 78 3RD ST, LOWELL, MA 01850-2510 |
| Document Number | 039440-190 |
| Book / Page | 39440 / 190 |
| Instrument Date | Aug 7, 2025 |
| Instrument | 202502024758 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6 BLUEBERRY LN, WESTFORD, MA 01886-2780 |
| Investor | Possibly a Property Investor |
| Document Number | 202500024759 |
|---|---|
| Date | Aug 7, 2025 |
| Instrument | 202500024759 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Type Change Date | Sep 1, 2030 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 78 3RD ST, LOWELL, MA 01850-2510 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 032707-181 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 32707/181 |
| Instrument | 1819 |
| Name | WASHINGTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 28, 2017 |
| Property Address | 78 3RD ST, LOWELL, MA 01850-2510 |
| Document Number | 031076-233 |
| Book / Page | 31076 / 233 |
| Instrument | 17104 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $54.73 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 3RD ST, LOWELL, MA 01850-2510 |
| Document Number | 0310760236 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 31076/0236 |
| Name | THE WASHINGTON SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,748.00 (+6.13%) | $849,100 (+10.1%) Land $126,900 Building $722,200 | $1,084,900 (+78.44%) |
| 2024 | $9,185.00 (+2.39%) | $771,200 (+6.77%) Land $105,400 Building $665,800 | $608,000 |
| 2023 | $8,971.00 | $722,300 Land $91,700 Building $630,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
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