89 Harvard St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 89 Harvard St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,835 sqft · built 1895
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jun 2018)
Tax Bill	$10,729 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Jan 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`S15250`

Property Details

APN / Parcel Number

Primary APN	`S15250`
Alternative APNs	`LOWE M:87 B:2895 L:89` `M:000087 T:S15250`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,835 sqft Living Area
Gross Area	8,401 sqft
1st Floor Area	1,891 sqft
Basement Area	1,853 sqft
Unfinished Basement	1,853 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	11,761 sqft (0.27 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S15250
Street Address	89 HARVARD ST
City	LOWELL
State	MA
Zip	01851-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2895
Legal Lot Number	89
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3008
Census Tract	311300

Owner

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	Individual Name on Record
Mailing Address	89 HARVARD ST, LOWELL, MA 01851-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GHF SOLO 401K T
Jan 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Deed Book / Page	32178 / 77
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 22, 2018
Property Address	89 HARVARD ST, LOWELL, MA 01851-1704
Document Number	32178-77
Book / Page	032178 / 000077
Instrument Date	Jun 20, 2018
Instrument	25931
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89-95 HARVARD ST LOWELL MA 018511704, LOWELL, MA 01851-1704

Mortgage

Document Number	32178-81
Date	Jun 22, 2018
Book Page	032178/000081
Instrument	25932

Lender

Name	GHF SOLO 401K T

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 26, 2018
Property Address	89 HARVARD ST, LOWELL, MA 01851-1704
Document Number	31825-212
Book / Page	031825 / 000212
Instrument Date	Jan 26, 2018
Instrument	3649
Transaction Type	Transfer
Record Updated	Feb 13, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	89 HARVARD ST LOWELL MA 018511704, LOWELL, MA 01851-1704

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	$10,729.00 (+6.23%)	$945,300 (+7.44%) Land $213,300 Building $732,000	$799,397 (+6.19%)
2025	$10,100.00 (+2.01%)	$879,800 (+5.83%) Land $199,300 Building $680,500
2024	$9,901.00 (+5.14%)	$831,300 (+9.64%) Land $188,000 Building $643,300	$752,780
2023	$9,417.00	$758,200 Land $163,500 Building $594,700

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 · 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 Claims	2 (1979–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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

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 809 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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