87 Gates St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 87 Gates St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,128 sqft · built 1930
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Nov 1997)
Tax Bill	$4,077 (2026)
Deeds & Mortgages	May 2022 Refinance Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H00280`

Property Details

APN / Parcel Number

Primary APN	`H00280`
Alternative APNs	`LOWE M:142 B:2565 L:87` `M:000142 T:H00280`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	744 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	H00280
Street Address	87 GATES ST
City	LOWELL
State	MA
Zip	01851-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMF
Legal Block	2565
Legal Lot Number	87
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2001
Census Tract	311800

Owner

87 Gates St is owned and occupied by two individuals who bought it in November 1997.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	87 GATES ST, LOWELL, MA 01851-2606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Sep 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 1997 · Amount on File
Deed Sale	Nov 17, 1997 · Amount on File
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	87 GATES ST, LOWELL, MA 01851-2606
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037030-170
Date	May 3, 2022
Book Page	37030/170
Instrument	18987

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	87 GATES ST, LOWELL, MA 01851-2606
Document Number	31502-51
Book / Page	031502 / 000051
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31502-51
Date	Sep 27, 2017
Book Page	031502/000051
Instrument	42842

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 26, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 87 Gates St was $4,077, up 8.7% 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	$4,077.00 (+8.75%)	$359,200 (+9.98%) Land $139,600 Building $219,600	$432,189 (+37.32%)
2025	$3,749.00 (+2.6%)	$326,600 (+6.45%) Land $123,200 Building $203,400	$314,735 (+6.29%)
2024	$3,654.00 (+6.44%)	$306,800 (+11%) Land $115,100 Building $191,700	$296,115
2023	$3,433.00	$276,400 Land $100,100 Building $176,300

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

Flood

FEMA maps place 87 Gates 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 87 Gates 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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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