90 Gates St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 90 Gates St, Lowell, MA 01851

Property Summary

Property Type	Triplex
Details	7 bd · 3 ba · 4,338 sqft · built 1900
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$825,000 (Dec 2024)
Tax Bill	$8,251 (2026)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Jul 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M12050`

Property Details

APN / Parcel Number

Primary APN	`M12050`
Alternative APNs	`LOWE M:142 B:2565 L:90` `M:000142 T:M12050`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	19 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,338 sqft Living Area
Gross Area	7,215 sqft
1st Floor Area	1,700 sqft
Basement Area	1,646 sqft
Unfinished Basement	1,646 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M12050
Street Address	90 GATES ST
City	LOWELL
State	MA
Zip	01851-2607
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TTF
Legal Block	2565
Legal Lot Number	90
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2000
Census Tract	311800

Owner

90 Gates St, a triplex, is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	90 GATES ST, LOWELL, MA 01851-2607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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 20, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FALL RIVER FIVE CENTS SAVINGS BANK
Jul 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW ENGLAND REGIONAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	May 13, 2011 · Amount on File
Deed Document Number	202440434
Deed Book / Page	38979 / 296
Record Updated	Oct 29, 2026

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 20, 2024
Property Address	90 GATES ST, LOWELL, MA 01851-2607
Document Number	038979-296
Book / Page	38979 / 296
Instrument Date	Dec 20, 2024
Instrument	40434
Transaction Type	Transfer
Record Updated	Jan 3, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 GATES ST, LOWELL, MA 01851-2607

Mortgage

Document Number	0000040435
Date	Dec 20, 2024
Instrument	40435

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	038981-228
Date	Dec 23, 2024
Book Page	38981/228
Instrument	40521

Lender

Name	MASSACHUSETTS HOUSING PARTNERSHIP FUND
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	90 GATES ST, LOWELL, MA 01851-2607
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035978-64
Date	Jul 8, 2021
Book Page	35978/64
Instrument	40258

Lender

Name	NEW ENGLAND REGIONAL MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 90 Gates St was $8,251, up 5.5% 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
2026	$8,251.00 (+5.54%)	$727,000 (+6.75%) Land $134,700 Building $592,300
2025	$7,818.00 (+4.93%)	$681,000 (+8.86%) Land $118,800 Building $562,200
2024	$7,451.00 (+1.93%)	$625,600 (+6.29%) Land $111,100 Building $514,500
2023	$7,310.00	$588,600 Land $96,600 Building $492,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 90 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 90 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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