Middlesex County and Lowell City property record for 984 Central St, Lowell, MA 01852
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 1 ba · 2,944 sqft · built 1950 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Feb 2018) |
| Tax Bill | $4,901 (2026) |
| Deeds & Mortgages | Oct 2026 Mortgage Feb 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S11440 |
| Primary APN | S11440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,944 sqft Total Area |
| Gross Area | 3,224 sqft |
| 1st Floor Area | 1,352 sqft |
| Basement Area | 300 sqft |
| Unfinished Basement | 300 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | S11440 |
|---|---|
| Street Address | 984 CENTRAL ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-3432 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | UMU |
| Legal Block | 1125 |
| Legal Lot Number | 984 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 312000 |
Source: Middlesex County and Lowell City records, as of October 21, 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 Record |
|---|---|
| Mailing Address | 94 GERSHOM AVE, LOWELL, MA 01854-2439 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage ROCKLAND TRUST COMPANY |
| Feb 2, 2018 | Quit Claim Deed, Transfer ENTERPRISE BANK & TRUST CO |
| May 31, 2017 | Quit Claim Deed, Transfer · Commercial Mortgage ENTERPRISE BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 2, 2018 · Amount on Record |
| Deed Sale | Feb 2, 2018 · Amount on Record |
| Prior Sale | May 31, 2017 · Amount on Record |
| Deed Document Number | 20184872 |
| Deed Book / Page | 31845 / 176 |
| Last Transfer Date | May 19, 2025 |
| Transfer Doc | 0039259-23 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Oct 2, 2026 |
| Property Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 0000033051 |
| Book / Page | 40395 / 131 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 202633051 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 0000033051, |
|---|---|
| Date | Oct 2, 2026 |
| Book Page | 40395/131 |
| Instrument | 202633051 |
| Name | ROCKLAND TRUST COMPANY |
|---|
| Amount | Amount Recorded |
|---|
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Feb 2, 2018 |
| Property Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 31845-176 |
| Book / Page | 31845 / 176 |
| Instrument | 4872 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 318450179 |
|---|---|
| Date | Feb 2, 2018 |
| Instrument | 31845/0179 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | May 31, 2017 |
| Property Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 31162-186 |
| Book / Page | 31162 / 186 |
| Instrument | 22357 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 984 CENTRAL ST, LOWELL, MA 01852-3432 |
| Document Number | 311620191 |
|---|---|
| Date | May 31, 2017 |
| Instrument | 31162/0191 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,901.00 (+6.87%) | $431,800 (+8.09%) Land $151,000 Building $280,800 | $542,568 (-3.59%) |
| 2025 | $4,586.00 (+1.55%) | $399,500 (+5.35%) Land $141,100 Building $258,400 | $562,780 (+13.73%) |
| 2024 | $4,516.00 (+5.02%) | $379,200 (+9.53%) Land $131,900 Building $247,300 | $494,855 |
| 2023 | $4,300.00 | $346,200 Land $114,700 Building $231,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 744 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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