Middlesex County and Lowell City property record for 97 Forest St, Apt 4, Lowell, MA 01851
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,178 sqft · built 1987 |
| Lot Size | 0.57 acres (24,853 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $171,600 (Dec 2012) |
| Tax Bill | $3,882 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | B91500 |
| Primary APN | B91500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 1,178 sqft Living Area |
| Gross Area | 1,876 sqft |
| 1st Floor Area | 453 sqft |
| Basement Area | 453 sqft |
| Unfinished Basement | 453 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,853 sqft |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | B91500 |
|---|---|
| Street Address | 97 FOREST ST, 4 |
| City | LOWELL |
| State | MA |
| Zip | 01851-4946 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | TTF |
| Legal Block | 2385 |
| Legal Lot Number | 97 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 311600 |
97 Forest St, Apt 4 is owned and occupied by two individuals who bought it in December 2012.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 97 FOREST ST, 4, LOWELL, MA 01851-4946 |
| 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.
| Date | Document |
|---|---|
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2012 · Amount on File |
| Deed Sale | Dec 6, 2012 · Amount on File |
| Prior Sale | Sep 25, 2000 · Amount on File |
| Deed Book / Page | 26723 / 179 |
| Transfer Doc | 026723-179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 97 FOREST ST APT 4, 4, LOWELL, MA 01851-4946 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036309-165 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 36309/165 |
| Instrument | 56688 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 97 FOREST ST APT 4, 4, LOWELL, MA 01851-4946 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36309-165 |
|---|---|
| Date | Sep 28, 2021 |
| Book Page | 36309/165 |
| Instrument | 56688 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2026 property tax bill for 97 Forest St, Apt 4 was $3,882, up 5.2% from the year before.
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,882.00 (+5.17%) | $342,000 (+6.38%) Building $342,000 | $359,669 (+4.07%) |
| 2025 | $3,691.00 (+14.49%) | $321,500 (+18.77%) Building $321,500 | $345,610 (+2.33%) |
| 2024 | $3,224.00 (+5.95%) | $270,700 (+10.49%) Building $270,700 | $337,725 |
| 2023 | $3,043.00 | $245,000 Building $245,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Forest St, Apt 4 in Zone X, an area of minimal flood risk.
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.
The area around 97 Forest St, Apt 4 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 659 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 |
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