84 Richards St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 84 Richards St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1925
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jun 2022)
Tax Bill	$5,299 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L06630`

Property Details

APN / Parcel Number

Primary APN	`L06630`
Alternative APNs	`LOWE M:214 B:4915 L:84` `M:000214 T:L06630`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	2,658 sqft
1st Floor Area	624 sqft
Attic	Attic
Attic Area	624 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	L06630
Street Address	84 RICHARDS ST
City	LOWELL
State	MA
Zip	01850-2252
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	4915
Legal Lot Number	84
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2002
Census Tract	310200

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	Individual Name on Record
Mailing Address	84 RICHARDS ST, LOWELL, MA 01850-2252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage STONEHAM COOPERATIVE BANK
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Jul 26, 2018	Quit Claim Deed, Transfer HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Jul 26, 2018 · Amount on Record
Deed Book / Page	37183 / 264
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 28, 2022
Property Address	84 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	037183-264
Book / Page	37183 / 264
Instrument Date	Jun 28, 2022
Instrument	27571
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	84 RICHARDS ST, LOWELL, MA 01850-2252

Mortgage

Document Number	0000027572
Date	Jun 28, 2022
Instrument	27572

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	84 RICHARDS ST, LOWELL, MA 01850-2252
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33367-16
Date	Sep 20, 2019
Book Page	33367/16
Instrument	40437

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 26, 2018
Property Address	84 RICHARDS ST, LOWELL, MA 01850-2252
Document Number	32271-266
Book / Page	32271 / 266
Instrument	31778
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.16
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 RICHARDS ST, LOWELL, MA 01850-2252

Mortgage

Document Number	322710269
Date	Jul 26, 2018
Instrument	32271/0269

Lender

Name	HARBORONE MORTGAGE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

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	Assessed Market Value
2026	$5,299.00 (+6.41%)	$466,900 (+7.63%) Land $143,900 Building $323,000	$459,828 (-3.56%)
2025	$4,980.00 (+2.53%)	$433,800 (+6.38%) Land $134,500 Building $299,300	$476,805 (+1.74%)
2024	$4,857.00 (+6%)	$407,800 (+10.54%) Land $125,700 Building $282,100	$468,635
2023	$4,582.00	$368,900 Land $109,300 Building $259,600

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

Flood

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

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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

84 Richards St, Lowell, MA 01850 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Richards St

Nearby Streets

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