94 Elm Ave, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 94 Elm Ave, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,911 sqft · built 1985
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Dec 2020)
Tax Bill	$6,101 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`C17040`

Property Details

APN / Parcel Number

Primary APN	`C17040`
Alternative APNs	`LOWE M:243 B:2100 L:94` `M:000243 T:C17040`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,911 sqft Living Area
Gross Area	2,634 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Unfinished Basement	408 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	C17040
Street Address	94 ELM AVE
City	LOWELL
State	MA
Zip	01852-5722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2100
Legal Lot Number	94
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1022
Census Tract	312300

Owner

94 Elm Ave is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	94 ELM AVE, LOWELL, MA 01852-5722
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 14, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
May 25, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	May 29, 1998 · Amount on File
Deed Document Number	202065077
Prior Transfer Date	Dec 1, 2020
Prior Transfer Doc	35047-68
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 14, 2020
Property Address	94 ELM AVE, LOWELL, MA 01852-5722
Document Number	35047-68
Book / Page	35047 / 68
Instrument Date	Dec 1, 2020
Instrument	65077
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	94 ELM AVE, LOWELL, MA 01852-5722

Mortgage

Document Number	65078
Date	Dec 14, 2020
Instrument	65078

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	94 ELM AVE, LOWELL, MA 01852-5722
Document Number	32130-52
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 ELM AVE LOWELL MA 018525722, LOWELL, MA 01852-5722

Mortgage

Document Number	32130-52
Date	Jun 6, 2018
Book Page	032130/000052
Instrument	22872

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 5, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 94 Elm Ave was $6,101, up 5.7% 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	$6,101.00 (+5.66%)	$537,500 (+6.86%) Land $206,400 Building $331,100	$591,007 (+6.16%)
2025	$5,774.00 (-1.06%)	$503,000 (+2.65%) Land $202,500 Building $300,500	$556,700 (+6.84%)
2024	$5,836.00 (+0.6%)	$490,000 (+4.9%) Land $189,300 Building $300,700	$521,075
2023	$5,801.00	$467,100 Land $164,600 Building $302,500

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

Flood

FEMA maps place 94 Elm 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006 · Severe Storms And Flooding

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

The area around 94 Elm Ave 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 275 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: AT&T, T-Mobile.

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