Middlesex County and Lowell City property record for 89 Varnum Ave, Lowell, MA 01854
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 3,232 sqft · built 1925 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Jul 2020) |
| Tax Bill | $8,673 (2026) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Dec 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | K00400 |
| Primary APN | K00400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,232 sqft Living Area |
| Gross Area | 5,747 sqft |
| 1st Floor Area | 1,616 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 1,176 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | K00400 |
|---|---|
| Street Address | 89 VARNUM AVE |
| City | LOWELL |
| State | MA |
| Zip | 01854-2510 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | TSF |
| Legal Block | 5880 |
| Legal Lot Number | 89 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 310602 |
89 Varnum Ave, a duplex, is owned by two individuals who bought it in July 2020.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 LAMPLIGHTER WAY, 4824, MOUNT HERMON, MA 01354-9637 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE |
| Dec 15, 2017 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2020 · Amount on File |
| Deed Sale | Jul 30, 2020 · Amount on File |
| Prior Sale | Dec 15, 2017 · Amount on File |
| Deed Document Number | 202035016 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jul 30, 2020 |
| Property Address | 89 VARNUM AVE, LOWELL, MA 01854-2510 |
| Document Number | 34430-171 |
| Book / Page | 34430 / 171 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 35016 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4824 ONE LAMPLIGHER WAY, MOUNT HERMON, MA |
| Investor | Possibly a Property Investor |
| Document Number | 35017 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 35017 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Dec 15, 2017 |
| Property Address | 89 VARNUM AVE, LOWELL, MA 01854-2510 |
| Document Number | 31727-199 |
| Book / Page | 031727 / 000199 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 56252 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,837.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 GLEN ST DOVER MA 020302316, DOVER, MA 02030-2316 |
The 2026 property tax bill for 89 Varnum Ave was $8,673, up 4.5% from the year before.
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 | $8,673.00 (+4.51%) | $764,100 (+5.7%) Land $176,900 Building $587,200 | $726,430 |
| 2025 | $8,299.00 (+11.16%) | $722,900 (+15.31%) Land $165,300 Building $557,600 | |
| 2024 | $7,466.00 (+8.66%) | $626,900 (+13.32%) Land $133,300 Building $493,600 | |
| 2023 | $6,871.00 | $553,200 Land $108,900 Building $444,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 Varnum Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 89 Varnum Ave 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.
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 434 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 |
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