79 Willard St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 79 Willard St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,726 sqft · built 1928
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Aug 2021)
Tax Bill	$7,233 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`C04795`

Property Details

APN / Parcel Number

Primary APN	`C04795`
Alternative APNs	`LOWE M:192 B:6390 L:79` `M:000192 T:C04795`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	2,726 sqft Living Area
Gross Area	4,740 sqft
1st Floor Area	1,984 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	C04795
Street Address	79 WILLARD ST
City	LOWELL
State	MA
Zip	01850-1324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	6390
Legal Lot Number	79
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5001
Census Tract	310200

Owner

79 Willard St is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	79 WILLARD ST, LOWELL, MA 01850-1324
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
Aug 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PATRIOT BANK
May 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Prior Sale	Oct 21, 1994 · Amount on File
Deed Document Number	202147601
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 12, 2021
Property Address	79 WILLARD ST, LOWELL, MA 01850-1324
Document Number	36122-262
Book / Page	36122 / 262
Instrument Date	Aug 12, 2021
Instrument	47601
Transaction Type	Transfer
Record Updated	Aug 27, 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
Relationship	Tenants by the Entirety
Address	79 WILLARD ST, LOWELL, MA 01850-1324
Investor	Possibly a Property Investor

Mortgage

Document Number	47602
Date	Aug 12, 2021
Instrument	47602

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	May 21, 2018
Property Address	79 WILLARD ST, LOWELL, MA 01850-1324
Document Number	32083-260
Book / Page	032083 / 000260
Instrument Date	Apr 18, 2018
Instrument	9
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MELROSE ST MANCHESTER NH 031094329, MANCHESTER, NH 03109-4329

Tax Assessment & Valuation

The 2026 property tax bill for 79 Willard St was $7,233, 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	$7,233.00 (+6.37%)	$637,300 (+7.6%) Land $197,400 Building $439,900	$615,404 (-0.48%)
2025	$6,800.00 (+2.47%)	$592,300 (+6.3%) Land $184,400 Building $407,900	$618,355 (+4.73%)
2024	$6,636.00 (+5.92%)	$557,200 (+10.47%) Land $172,400 Building $384,800	$590,425
2023	$6,265.00	$504,400 Land $149,900 Building $354,500

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

Flood

FEMA maps place 79 Willard St 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 79 Willard 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 484 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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