94 Heritage Dr, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 94 Heritage Dr, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,173 sqft · built 1993
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$164,500 (Dec 1998)
Tax Bill	$8,394 (2026)
Deeds & Mortgages	May 2020 Refinance Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T09660`

Property Details

APN / Parcel Number

Primary APN	`T09660`
Alternative APNs	`LOWE M:231 B:2967 L:94` `M:000231 T:T09660`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,173 sqft Living Area
Gross Area	3,410 sqft
1st Floor Area	1,218 sqft
Basement Area	872 sqft
Unfinished Basement	368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	T09660
Street Address	94 HERITAGE DR
City	LOWELL
State	MA
Zip	01852-1465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	REVISION LOT LINES & PLAN
Legal Block	2967
Legal Lot Number	94
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	312501

Owner

94 Heritage Dr is owned and occupied by two individuals who bought it in December 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	94 HERITAGE DR, LOWELL, MA 01852-1465
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
May 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Nov 12, 2020	Deed of Trust, Mortgage · Line of Credit JEANNE D ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 1998 · Amount on File
Deed Sale	Dec 23, 1998 · Amount on File
Prior Sale	Oct 22, 1993 · Amount on File
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	94 HERITAGE DR, LOWELL, MA 01852-1465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34126-112
Date	May 15, 2020
Book Page	34126/112
Instrument	20585

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	94 HERITAGE DR, LOWELL, MA 01852-1465
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34899-73
Date	Nov 12, 2020
Book Page	34899/73
Instrument	57738

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 94 Heritage Dr was $8,394, up 3.9% 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	$8,394.00 (+3.89%)	$739,600 (+5.09%) Land $264,100 Building $475,500	$715,574 (+15.21%)
2025	$8,080.00 (+3.67%)	$703,800 (+7.55%) Land $246,800 Building $457,000	$621,110 (+2.28%)
2024	$7,794.00 (+1.9%)	$654,400 (+6.25%) Land $230,700 Building $423,700	$607,240
2023	$7,649.00	$615,900 Land $200,600 Building $415,300

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

Flood

FEMA maps place 94 Heritage Dr 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
Nearby Flood Policies	2 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

Wildfire risk around 94 Heritage Dr 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 474 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Heritage Dr

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