89 Ludlam St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 89 Ludlam St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1920
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Dec 2018)
Tax Bill	$4,354 (2026)
Deeds & Mortgages	Dec 2021 Refinance Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`F05470`

Property Details

APN / Parcel Number

Primary APN	`F05470`
Alternative APNs	`LOWE M:172 B:3735 L:89` `M:000172 T:F05470`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Gross Area	2,087 sqft
1st Floor Area	699 sqft
Basement Area	651 sqft
Unfinished Basement	651 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,178 sqft (0.05 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	F05470
Street Address	89 LUDLAM ST
City	LOWELL
State	MA
Zip	01850-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	3735
Legal Lot Number	89
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1007
Census Tract	310300

Owner

89 Ludlam St is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 15, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Mar 10, 2026	Deed of Trust, Mortgage DIGITAL FCU
Apr 15, 2021	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LOANS INC
Dec 14, 2018	Quit Claim Deed, Transfer · FHA Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Dec 23, 2004 · Amount on File
Deed Book / Page	32642 / 33
Last Transfer Date	Aug 26, 2020
Transfer Doc	35625-261
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036589-40
Date	Dec 6, 2021
Book Page	36589/40
Instrument	70555

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035625-266
Date	Apr 15, 2021
Book Page	35625/266
Instrument	22590

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	May 1, 2050

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039911-125
Date	Mar 10, 2026
Book Page	39911/125
Instrument	7051

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 15, 2021
Property Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Document Number	35625-261
Book / Page	35625 / 261
Instrument Date	Aug 26, 2020
Instrument	22589
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 LUDLAM ST, LOWELL, MA 01850-1226

Mortgage

Document Number	35625-266
Date	Apr 15, 2021
Book Page	35625/266
Instrument	22590

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	May 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 14, 2018
Property Address	89 LUDLAM ST, LOWELL, MA 01850-1226
Document Number	32642-33
Book / Page	032642 / 000033
Instrument Date	Dec 10, 2018
Instrument	54566
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,139.54
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 LUDLAM ST LOWELL MA 018501226, LOWELL, MA 01850-1226

Mortgage

Document Number	32642-35
Date	Dec 14, 2018
Book Page	032642/000035
Instrument	54567

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 89 Ludlam St was $4,354, up 6.5% 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	$4,354.00 (+6.45%)	$383,600 (+7.66%) Land $117,800 Building $265,800	$414,066 (+9.27%)
2025	$4,090.00 (+0.59%)	$356,300 (+4.36%) Land $110,100 Building $246,200	$378,955 (+5.06%)
2024	$4,066.00 (+6.08%)	$341,400 (+10.63%) Land $109,400 Building $232,000	$360,715
2023	$3,833.00	$308,600 Land $95,200 Building $213,400

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

Flood

FEMA maps place 89 Ludlam 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

Wildfire risk around 89 Ludlam 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 99.1% of the US · lower than 98.7% 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 484 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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