86 Baldwin St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 86 Baldwin St, Lowell, MA 01851

Property Summary

Property Type	Apartments (5+ Units)
Details	9 bd · 8 ba · 6,673 sqft · built 1790
Lot Size	0.32 acres (13,939 sqft)
Owner	Company Name on File
Last Sale	$950,000 (Mar 2019)
Tax Bill	$14,492 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E00290`

Property Details

APN / Parcel Number

Primary APN	`E00290`
Alternative APN	`LOWE M:59 B:370 L:86`

Interior

Bedrooms	9 Beds
Full Baths	8 Baths
Total Rooms	28 Rooms
Units	8 Units
Stories	2 Stories
Building Area	6,673 sqft Living Area
Gross Area	7,352 sqft
1st Floor Area	3,226 sqft
Basement Area	630 sqft
Unfinished Basement	630 sqft

Exterior

Year Built	Built 1790
Effective Year Built	Effective 1790
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	E00290
Street Address	86 BALDWIN ST
City	LOWELL
State	MA
Zip	01851-1562
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RR
Legal Block	370
Legal Lot Number	86
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	311400

Owner

86 Baldwin St, a residential property, is owned by a company that bought it in March 2019.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 134, LEXINGTON, MA 02420-0002
Owner Type	Company
Vesting	Company

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
Mar 6, 2026	Deed of Trust, Mortgage LOWELL FIVE CENTS SAVINGS BANK
Mar 6, 2026	Deed of Trust, Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2019 · Amount on File
Deed Sale	Mar 5, 2019 · Amount on File
Deed Document Number	20198010
Deed Book / Page	32805 / 176
Prior Transfer Date	Mar 4, 2019
Prior Transfer Doc	032805-176
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	86 BALDWIN ST, LOWELL, MA 01851-1562
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00039906-1
Date	Mar 6, 2026
Book Page	39906/1
Instrument	6750

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	86 BALDWIN ST, LOWELL, MA 01851-1562
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039906-194
Date	Mar 6, 2026
Book Page	39906/194
Instrument	6794

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 86 Baldwin St was $14,492, up 28.6% 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
2026	$14,492.00 (+28.65%)	$1,276,800 (+30.11%) Land $231,200 Building $1,045,600
2025	$11,265.00 (+0.76%)	$981,300 (+4.54%) Land $216,100 Building $765,200
2024	$11,180.00 (-1.33%)	$938,700 (+2.89%) Land $202,000 Building $736,700
2023	$11,331.00	$912,300 Land $175,600 Building $736,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 86 Baldwin St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	19 (1979–2023)
Claims Outside the SFHA	3 of 19
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2006 · 7 claims Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

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 86 Baldwin 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 97% of the US · lower than 94% 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 340 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: AT&T, T-Mobile.

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