987 Middlesex St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 987 Middlesex St, Lowell, MA 01851

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,818 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Jul 2025)
Tax Bill	$6,080 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jul 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S03640`

Property Details

APN / Parcel Number

Primary APN	`S03640`
Alternative APNs	`LOWE M:120 B:4085 L:987` `M:000120 T:S03640`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,818 sqft Living Area
Gross Area	5,966 sqft
1st Floor Area	1,409 sqft
Basement Area	1,409 sqft
Unfinished Basement	1,409 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	S03640
Street Address	987 MIDDLESEX ST
City	LOWELL
State	MA
Zip	01851-1319
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	4085
Legal Lot Number	987
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	311200

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 Record	Individual Name on Record
Mailing Address	987 MIDDLESEX ST, 989, LOWELL, MA 01851-1319
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Jul 28, 2025	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU
Nov 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage DIGITAL EMP FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2025 · Amount on Record
Deed Sale	Jul 28, 2025 · Amount on Record
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	987 MIDDLESEX ST, LOWELL, MA 01851-1319
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000314928
Date	Jan 28, 2022
Instrument	314928

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Feb 1, 2041

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 28, 2025
Property Address	987 MIDDLESEX ST, LOWELL, MA 01851-1319
Document Number	0000327161
Instrument Date	Jul 28, 2025
Instrument	327161
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	987 MIDDLESEX ST # 989, 989, LOWELL, MA 01851-1319

Mortgage

Document Number	0000327162
Date	Jul 28, 2025
Instrument	327162

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	987 MIDDLESEX ST, LOWELL, MA 01851-1319
Document Number	0000301588
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 MIDDLESEX ST LOWELL MA 018511319, LOWELL, MA 01851-1319

Mortgage

Document Number	0000301588
Date	Aug 5, 2019
Instrument	301588

Lender

Name	DIGITAL EMP FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2034

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	987 MIDDLESEX ST, LOWELL, MA 01851-1319
Document Number	0000298612
Instrument Date	Nov 3, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	987 MIDDLESEX ST LOWELL MA 018511319, LOWELL, MA 01851-1319

Mortgage

Document Number	0000298612
Date	Nov 15, 2018
Instrument	298612

Lender

Name	DIGITAL EMP FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 14, 2033

Tax Assessment & Valuation

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	$6,080.00 (-12.56%)	$535,700 (-11.56%) Land $156,300 Building $379,400	$663,973
2025	$6,953.00 (+8.64%)	$605,700 (+12.71%) Land $146,100 Building $459,600
2024	$6,400.00 (+7.58%)	$537,400 (+12.19%) Land $131,400 Building $406,000
2023	$5,949.00	$479,000 Land $114,300 Building $364,700

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 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

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 804 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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