Middlesex County and Lowell City property record for 85 Florence Rd, Lowell, MA 01851
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,106 sqft · built 1900 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Jun 2014) |
| Tax Bill | $7,617 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance May 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | G05690 |
| Primary APN | G05690 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,106 sqft Living Area |
| Gross Area | 4,616 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | G05690 |
|---|---|
| Street Address | 85 FLORENCE RD |
| City | LOWELL |
| State | MA |
| Zip | 01851-3501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 2355 |
| Legal Lot Number | 85 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 311600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 85 FLORENCE RD, LOWELL, MA 01851-3501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK |
| May 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2014 · Amount on Record |
| Deed Sale | Jun 20, 2014 · Amount on Record |
| Deed Book / Page | 28255 / 145 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 85 FLORENCE RD, LOWELL, MA 01851-3501 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 035265-105 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 35265/105 |
| Instrument | 5830 |
| Name | ENVISION BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 85 FLORENCE RD, LOWELL, MA 01851-3501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34108-87 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 34108/87 |
| Instrument | 19791 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 |
|---|---|---|---|
| 2026 | $7,617.00 (+10.23%) | $671,100 (+11.5%) Land $231,400 Building $439,700 | $666,338 (+2.85%) |
| 2025 | $6,910.00 (+1.63%) | $601,900 (+5.43%) Land $216,300 Building $385,600 | $647,900 (+9.89%) |
| 2024 | $6,799.00 (+5.71%) | $570,900 (+10.23%) Land $185,300 Building $385,600 | $589,570 |
| 2023 | $6,432.00 | $517,900 Land $161,100 Building $356,800 |
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 | 5 in force |
| Nearby Flood Claims | 3 (1979–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2011 · rainfall accumulation |
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 484 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 |
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