895 Middlesex St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 895 Middlesex St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	8 bd · 2 ba · 3,109 sqft · built 1900
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Feb 2019)
Tax Bill	$5,857 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jun 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M03580`

Property Details

APN / Parcel Number

Primary APN	`M03580`
Alternative APNs	`LOWE M:120 B:4085 L:895` `M:000120 T:M03580`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,109 sqft Living Area
Gross Area	5,165 sqft
1st Floor Area	1,445 sqft
Basement Area	1,445 sqft
Unfinished Basement	1,445 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	M03580
Street Address	895 MIDDLESEX ST
City	LOWELL
State	MA
Zip	01851-1413
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	4085
Legal Lot Number	895
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1002
Census Tract	311200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 29, 2017	Deed of Trust, Mortgage OCWEN FIN SVC INC
Oct 23, 2018	Deed of Trust, Mortgage BLUE HILLS BANK
Feb 2, 2021	Quit Claim Deed, Transfer Quitclaim
Dec 23, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 22, 2019	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE EQUITY PTRS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2019 · Amount on Record
Deed Sale	Feb 22, 2019 · Amount on Record
Prior Sale	Jul 11, 2012 · Amount on Record
Deed Document Number	20196573
Deed Book / Page	32782 / 85
Prior Transfer Date	Feb 20, 2018
Prior Transfer Doc	0039311-43
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037154-262
Date	Jun 16, 2022
Book Page	37154/262
Instrument	25885

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31250-123
Date	Jun 29, 2017
Book Page	31250/123
Instrument	27707

Lender

Name	OCWEN FIN SVC INC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32506-99
Date	Oct 23, 2018
Book Page	32506/99
Instrument	46378

Lender

Name	BLUE HILLS BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 2, 2021
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Document Number	35287-265
Book / Page	35287 / 265
Instrument Date	Feb 2, 2021
Instrument	6741
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
Relationship	Tenants by the Entirety
Address	895 MIDDLESEX ST # 897, 897, LOWELL, MA 01851-1413

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 23, 2019
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Document Number	33687-118
Book / Page	033687 / 000118
Instrument Date	Dec 20, 2019
Instrument	57948
Transaction Type	Transfer
Record Updated	Jan 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895-897 MIDDLESEX ST LOWELL MA 018511413, LOWELL, MA 01851-1413

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 22, 2019
Property Address	895 MIDDLESEX ST, LOWELL, MA 01851-1413
Document Number	32782-85
Book / Page	032782 / 000085
Instrument Date	Feb 22, 2019
Instrument	6573
Transaction Type	Transfer
Record Updated	Mar 12, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,322.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	895-897 MIDDLESEX ST LOWELL MA 018511413, LOWELL, MA 01851-1413

Mortgage

Document Number	32782-87
Date	Feb 22, 2019
Book Page	032782/000087
Instrument	6574

Lender

Name	MORTGAGE EQUITY PTRS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2049

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	$5,857.00 (+5.89%)	$516,000 (+7.1%) Land $117,500 Building $398,500	$597,792
2025	$5,531.00 (+7.75%)	$481,800 (+11.79%) Land $103,600 Building $378,200
2024	$5,133.00 (+7.52%)	$431,000 (+12.12%) Land $96,900 Building $334,100
2023	$4,774.00	$384,400 Land $84,200 Building $300,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 804 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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