95 Florence Ave, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 95 Florence Ave, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,873 sqft · built 1915
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Jul 2021)
Tax Bill	$5,802 (2026)
Deeds & Mortgages	Dec 2020 Refinance Jan 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S04260`

Property Details

APN / Parcel Number

Primary APN	`S04260`
Alternative APNs	`LOWE M:89 B:2345 L:95` `M:000089 T:S04260`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,873 sqft Living Area
Gross Area	3,900 sqft
1st Floor Area	977 sqft
Basement Area	929 sqft
Unfinished Basement	929 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S04260
Street Address	95 FLORENCE AVE
City	LOWELL
State	MA
Zip	01851-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2345
Legal Lot Number	95
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1020
Census Tract	311400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	95 FLORENCE AVE, LOWELL, MA 01851-3032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jan 12, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 29, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Sep 6, 2016 · Amount on File
Deed Book / Page	36062 / 211
Last Transfer Date	Jan 12, 2022
Transfer Doc	0036718-56
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	95 FLORENCE AVE, LOWELL, MA 01851-3032
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035085-251
Date	Dec 21, 2020
Book Page	35085/251
Instrument	66808

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2045

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 12, 2022
Property Address	95 FLORENCE AVE, LOWELL, MA 01851-3032
Document Number	0036718-56
Book / Page	36718 / 56
Instrument Date	Jan 12, 2022
Instrument	1885
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	95 FLORENCE AVE, LOWELL, MA 01851-3032

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 29, 2021
Property Address	95 FLORENCE AVE, LOWELL, MA 01851-3032
Document Number	036062-211
Book / Page	36062 / 211
Instrument Date	Jul 29, 2021
Instrument	44541
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	95 FLORENCE AVE, LOWELL, MA 01851-3032

Mortgage

Document Number	0000044542
Date	Jul 29, 2021
Instrument	44542

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$5,802.00 (+6.36%)	$511,200 (+7.58%) Land $176,500 Building $334,700	$564,021 (+6.21%)
2025	$5,455.00 (+2.19%)	$475,200 (+6.02%) Land $164,900 Building $310,300	$531,050 (+2.36%)
2024	$5,338.00 (+6.14%)	$448,200 (+10.69%) Land $155,600 Building $292,600	$518,795
2023	$5,029.00	$404,900 Land $135,300 Building $269,600

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1978–2006)
Claims Outside the SFHA	2 of 5
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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	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 809 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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