946 Middlesex St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 946 Middlesex St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 3,420 sqft · built 1900
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Apr 2022)
Tax Bill	$8,271 (2026)
Deeds & Mortgages	Jan 2021 Refinance Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`O01660`

Property Details

APN / Parcel Number

Primary APN	`O01660`
Alternative APNs	`LOWE M:120 B:4085 L:946` `M:000120 T:O01660`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,420 sqft Living Area
Gross Area	5,458 sqft
1st Floor Area	1,272 sqft
Basement Area	1,272 sqft
Unfinished Basement	1,272 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	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	O01660
Street Address	946 MIDDLESEX ST
City	LOWELL
State	MA
Zip	01851-1320
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TMF
Legal Block	4085
Legal Lot Number	946
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2006
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	21 SMITH AVE, LOWELL, MA 01851-1828
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ONE AMERICAN MORTGAGE
Apr 25, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Prior Sale	Aug 30, 2007 · Amount on Record
Deed Book / Page	37005 / 25
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	946 MIDDLESEX ST, LOWELL, MA 01851-1320
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035177-227
Date	Jan 11, 2021
Book Page	35177/227
Instrument	1777

Lender

Name	ONE AMERICAN MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 25, 2022
Property Address	946 MIDDLESEX ST, LOWELL, MA 01851-1320
Document Number	0037005-25
Book / Page	37005 / 25
Instrument Date	Apr 25, 2022
Instrument	17591
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	21 SMITH AVE, LOWELL, MA 01851-1828

Mortgage

Document Number	0000017592
Date	Apr 25, 2022
Instrument	17592

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$8,271.00 (+4.56%)	$728,700 (+5.76%) Land $173,100 Building $555,600	$702,656
2025	$7,910.00 (+8.64%)	$689,000 (+12.71%) Land $161,800 Building $527,200
2024	$7,281.00 (+7.58%)	$611,300 (+12.19%) Land $145,600 Building $465,700
2023	$6,768.00	$544,900 Land $126,600 Building $418,300

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

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

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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