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98 Smith St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 98 Smith St, Lowell, MA 01851

Property Summary

Property TypeApartments (5+ Units)
Details9 bd · 20 ba · 20,004 sqft · built 1880
Lot Size0.85 acres (37,026 sqft)
OwnerCompany Name on Record
Last Sale$565,000 (Oct 2016)
Tax Bill$23,640 (2026)
Deeds & MortgagesMar 2018 Mortgage
Mar 2018 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNH10785

Property Details

APN / Parcel Number

Primary APNH10785
Alternative APNs
  • LOWE M:122 B:5400 L:98
  • M:000122 T:200989

Interior

Bedrooms9 Beds
Full Baths20 Baths
Units18 Units
Stories3 Stories
Building Area20,004 sqft Living Area
Gross Area22,259 sqft
1st Floor Area7,008 sqft
Basement Area1,344 sqft
Unfinished Basement1,344 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area37,026 sqft (0.85 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberH10785
Street Address98 SMITH ST
CityLOWELL
StateMA
Zip01851-0017
Property CategoryResidential
Property TypeResidential > Multi-Unit > Apartments (5+ Units)
Local Zoning CodeTMF
Legal Block5400
Legal Lot Number98
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group2
Census Block2002
Census Tract311800

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 RecordCompany Name on Record
Mailing Address812 MERRIMACK ST, LOWELL, MA 01854-3532
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2018Deed of Trust, Mortgage
ENTERPRISE BANK & TRUST CO
Mar 29, 2018Deed of Trust, Mortgage
MA COMM HSG & C DEV
Jan 26, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 24, 2016 · Amount on Record
Deed SaleOct 24, 2016 · Amount on Record
Deed Book / Page30576 / 49
Record UpdatedOct 29, 2026

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address98 SMITH ST, LOWELL, MA 01851-0017
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number31967-55
DateMar 30, 2018
Book Page31967/55
Instrument12552
Lender
NameENTERPRISE BANK & TRUST CO
TypeBank
Agreement
AmountAmount Recorded

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Property Address98 SMITH ST, LOWELL, MA 01851-0017
Document Number31967-115
Instrument DateMar 29, 2018
Transaction TypeMortgage
Record UpdatedApr 17, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany

Mortgage

Document Number31967-115
DateMar 30, 2018
Book Page031967/000115
Instrument12555
Lender
NameMA COMM HSG & C DEV
Agreement
AmountAmount Recorded

January 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionLOWELL MA
Recording DateJan 26, 2017
Property Address98 SMITH ST, LOWELL, MA 01851-0017
Document Number30865-32
Book / Page030865 / 000032
Instrument DateOct 24, 2016
Instrument3596
Transaction TypeTransfer
Record UpdatedFeb 14, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address812 MERRIMACK ST LOWELL MA 018543532, LOWELL, MA 01854-3532

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$23,640.00 (+8.75%)$2,082,800 (+1%) Land $279,000 Building $1,803,800$1,130,768
2025$21,737.00 (+2.32%)$1,893,500 (+6.16%) Land $279,000 Building $1,614,500
2024$21,244.00 (-3.45%)$1,783,700 (+0.68%) Land $279,000 Building $1,504,700
2023$22,003.00$1,771,600 Land $279,000 Building $1,492,600

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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

ProviderMax 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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