95 Clark Rd, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 95 Clark Rd, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,666 sqft · built 1985
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Dec 2020)
Tax Bill	$11,474 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R09495`

Property Details

APN / Parcel Number

Primary APN	`R09495`
Alternative APNs	`LOWE M:249 B:1285 L:95` `M:000249 T:R09495`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,666 sqft Living Area
Gross Area	7,245 sqft
1st Floor Area	2,288 sqft
Basement Area	2,192 sqft
Unfinished Basement	2,192 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R09495
Street Address	95 CLARK RD
City	LOWELL
State	MA
Zip	01852-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	1285
Legal Lot Number	95
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2007
Census Tract	312501

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	95 CLARK RD, LOWELL, MA 01852-3207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 30, 2018	Deed of Trust, Mortgage SAGE BANK
Mar 30, 2018	Deed of Trust, Mortgage · Line of Credit SAGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2020 · Amount on Record
Deed Sale	Dec 29, 2020 · Amount on Record
Prior Sale	Jun 4, 1981 · Amount on Record
Deed Document Number	202068391
Prior Transfer Date	Dec 14, 2020
Prior Transfer Doc	35122-110
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 CLARK RD, LOWELL, MA 01852-3207
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036971-139
Date	Apr 12, 2022
Book Page	36971/139
Instrument	15737

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 CLARK RD, LOWELL, MA 01852-3207
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35399-69
Date	Mar 1, 2021
Book Page	35399/69
Instrument	12097

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 CLARK RD, LOWELL, MA 01852-3207
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31967-252
Date	Mar 30, 2018
Book Page	31967/252
Instrument	12579

Lender

Name	SAGE BANK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 CLARK RD, LOWELL, MA 01852-3207
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31967-268
Date	Mar 30, 2018
Book Page	31967/268
Instrument	12580

Lender

Name	SAGE BANK

Agreement

Type	Line of Credit
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	$11,474.00 (+8.13%)	$1,010,900 (+9.37%) Land $281,100 Building $729,800	$899,957
2025	$10,611.00 (-1.8%)	$924,300 (+1.88%) Land $262,600 Building $661,700
2024	$10,805.00 (+5.58%)	$907,200 (+10.1%) Land $245,500 Building $661,700
2023	$10,234.00	$824,000 Land $213,500 Building $610,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978–1980)
Most Recent Claim	Oct 1980 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 98.7% 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 482 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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