786 E Merrimack St, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 786 E Merrimack St, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,498 sqft · built 1950
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Jan 2019)
Tax Bill	$6,034 (2026)
Deeds & Mortgages	Jan 2019 Sale & Mortgage Jan 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C02260`

Property Details

APN / Parcel Number

Primary APN	`C02260`
Alternative APNs	`LOWE M:231 B:1950 L:786` `M:000231 T:C02260`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
Gross Area	3,070 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	C02260
Street Address	786 E MERRIMACK ST
City	LOWELL
State	MA
Zip	01852-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	1950
Legal Lot Number	786
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1008
Census Tract	312501

Owner

786 E Merrimack St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	786 E MERRIMACK ST, LOWELL, MA 01852-1425
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
Jan 22, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage 1ST NATIONAL BANK
Jan 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2019 · Amount on File
Deed Sale	Jan 22, 2019 · Amount on File
Prior Sale	Jan 29, 2018
Deed Document Number	20192672
Prior Transfer Date	Jan 18, 2019
Prior Transfer Doc	32722-115
Record Updated	Oct 29, 2026

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 22, 2019
Property Address	786 E MERRIMACK ST, LOWELL, MA 01852-1425
Document Number	32722-115
Book / Page	32722 / 115
Instrument Date	Jan 18, 2019
Instrument	2672
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	$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
Address	786 E MERRIMACK ST, LOWELL, MA 01852-1425

Mortgage

Document Number	2673
Date	Jan 22, 2019
Instrument	2673

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 29, 2018
Property Address	786 E MERRIMACK ST, LOWELL, MA 01852-1425
Document Number	31828-44
Book / Page	031828 / 000044
Instrument Date	Dec 28, 2017
Instrument	3792
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	786 E MERRIMACK ST LOWELL MA 018521425, LOWELL, MA 01852-1425

Tax Assessment & Valuation

The 2026 property tax bill for 786 E Merrimack St was $6,034, up 4.3% 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	$6,034.00 (+4.27%)	$531,600 (+5.46%) Land $248,600 Building $283,000	$549,423 (+17.67%)
2025	$5,787.00 (+4.91%)	$504,100 (+8.85%) Land $232,300 Building $271,800	$466,925 (-0.41%)
2024	$5,516.00 (+3.33%)	$463,100 (+7.75%) Land $217,200 Building $245,900	$468,825
2023	$5,338.00	$429,800 Land $188,800 Building $241,000

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

Flood

FEMA maps place 786 E Merrimack St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 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

Wildfire risk around 786 E Merrimack St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 474 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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