97 Gates St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 97 Gates St, Lowell, MA 01851

Property Summary

Property Type	Triplex
Details	5 bd · 3.5 ba · 4,160 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$790,000 (Jul 2025)
Tax Bill	$9,451 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`R02670`

Property Details

APN / Parcel Number

Primary APN	`R02670`
Alternative APNs	`LOWE M:142 B:2565 L:97` `M:000142 T:R02670`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	17 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,160 sqft Living Area
Gross Area	6,736 sqft
1st Floor Area	1,675 sqft
Basement Area	1,603 sqft
Unfinished Basement	1,603 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R02670
Street Address	97 GATES ST
City	LOWELL
State	MA
Zip	01851-2606
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TMF
Legal Block	2565
Legal Lot Number	97
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2001
Census Tract	311800

Owner

97 Gates St, a triplex, is owned by an individual who bought it in July 2025.

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	Individual Name on File
Mailing Address	97 GATES ST, 99, LOWELL, MA 01851-2606
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES
Jul 31, 2025	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2025 · Amount on File
Deed Sale	Jul 31, 2025 · Amount on File
Prior Sale	Jan 13, 2009 · Amount on File
Deed Document Number	202523894
Deed Book / Page	39424 / 192
Prior Transfer Date	Jul 29, 2025
Prior Transfer Doc	039424-192
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	Sep 10, 2026
Property Address	97 GATES ST, LOWELL, MA 01851-2606
Document Number	0000030045
Book / Page	40341 / 44
Instrument Date	Sep 10, 2026
Instrument	202630045
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 GATES ST, LOWELL, MA 01851-2606

Mortgage

Document Number	0000030045,
Date	Sep 10, 2026
Book Page	40341/44
Instrument	202630045

Lender

Name	TOTAL MORTGAGE SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 31, 2025
Property Address	97 GATES ST, LOWELL, MA 01851-2606
Document Number	039424-192
Book / Page	39424 / 192
Instrument Date	Jul 29, 2025
Instrument	23894
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount 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	97 GATES ST # 99, 99, LOWELL, MA 01851-2606

Tax Assessment & Valuation

The 2026 property tax bill for 97 Gates St was $9,451, up 5.4% 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
2026	$9,451.00 (+5.37%)	$832,700 (+6.58%) Land $139,100 Building $693,600
2025	$8,969.00 (+4.93%)	$781,300 (+8.86%) Land $122,700 Building $658,600
2024	$8,548.00 (+1.75%)	$717,700 (+6.11%) Land $114,700 Building $603,000
2023	$8,401.00	$676,400 Land $99,700 Building $576,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 97 Gates St 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.

Wildfire

The area around 97 Gates 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 571 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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