95 Harvard St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 95 Harvard St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 2,610 sqft · built 1880
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Jun 2018)
Tax Bill	$7,891 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`W05800`

Property Details

APN / Parcel Number

Primary APN	`W05800`
Alternative APNs	`LOWE M:87 B:2895 L:95` `M:000087 T:W05800`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,610 sqft Living Area
Gross Area	4,658 sqft
1st Floor Area	600 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Slate
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	W05800
Street Address	95 HARVARD ST
City	LOWELL
State	MA
Zip	01851-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	2895
Legal Lot Number	95
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3008
Census Tract	311300

Owner

95 Harvard St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	95 HARVARD ST, LOWELL, MA 01851-1704
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on File
Deed Sale	Jun 22, 2018 · Amount on File
Deed Book / Page	32178 / 77
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 22, 2018
Property Address	95 HARVARD ST, LOWELL, MA 01851-1704
Document Number	32178-77
Book / Page	032178 / 000077
Instrument Date	Jun 20, 2018
Instrument	25931
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,850.00
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89-95 HARVARD ST LOWELL MA 018511704, LOWELL, MA 01851-1704

Mortgage

Document Number	32178-81
Date	Jun 22, 2018
Book Page	032178/000081
Instrument	25932

Lender

Name	GHF SOLO 401K T

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 95 Harvard St was $7,891, up 8.1% 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	$7,891.00 (+8.11%)	$695,200 (+9.34%) Land $207,800 Building $487,400	$616,867 (-23.75%)
2025	$7,299.00 (+2.14%)	$635,800 (+5.97%) Land $194,200 Building $441,600	$809,020 (+8.08%)
2024	$7,146.00 (+5.84%)	$600,000 (+10.38%) Land $183,200 Building $416,800	$748,505
2023	$6,752.00	$543,600 Land $159,300 Building $384,300

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

Flood

FEMA maps place 95 Harvard St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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 (1979–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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 95 Harvard St 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 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.

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