997 Middlesex St, Unit 1, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 997 Middlesex St, Unit 1, Lowell, MA 01851

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 920 sqft · built 2003
Lot Size	0.668 acres (29,100 sqft)
Owner	Individual Name on File
Last Sale	$252,900 (Oct 2020)
Tax Bill	$4,022 (2026)
Deeds & Mortgages	Jun 2022 Sale Oct 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`L16020`

Property Details

APN / Parcel Number

Primary APN	`L16020`
Alternative APNs	`LOWE M:120 B:4085 L:997 U:1` `M:000120 T:L16020`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	3 Units
Stories	3 Stories
Building Area	920 sqft Living Area
Gross Area	1,440 sqft
1st Floor Area	406 sqft
Basement Area	118 sqft
Unfinished Basement	118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,100 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	L16020
Street Address	997 MIDDLESEX ST, 1
City	LOWELL
State	MA
Zip	01851-1347
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	TTF
Legal Block	4085
Legal Lot Number	997
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	311200

Owner

997 Middlesex St, Unit 1 is owned and occupied by an individual who acquired it in April 2022.

Source: Middlesex County and Lowell City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	997 MIDDLESEX ST, 1, LOWELL, MA 01851-1347
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Condominium Deed, Transfer
Oct 22, 2020	Condominium Deed NOT AVAILABLE
Oct 21, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Oct 21, 2020 · Amount on File
Deed Document Number	202053069
Deed Book / Page	34803 / 35
Last Transfer Date	Apr 23, 2022
Transfer Doc	037162-263
Record Updated	Oct 29, 2026

June 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LOWELL MA
Recording Date	Jun 21, 2022
Property Address	997 MIDDLESEX ST UNIT 1, 1, LOWELL, MA 01851-1347
Document Number	037162-263
Book / Page	37162 / 263
Instrument Date	Apr 23, 2022
Instrument	26346
Transaction Type	Transfer
Record Updated	Jul 11, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 MIDDLESEX ST UNIT 1, 1, LOWELL, MA 01851-1347

October 2020: Condominium Deed

Document Type	Condominium Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 22, 2020
Property Address	997 MIDDLESEX ST UNIT 1, 1, LOWELL, MA 01851-1347
Document Number	34803-35
Book / Page	034803 / 000035
Instrument Date	Oct 15, 2020
Instrument	53069
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,153.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 MIDDLESEX ST #1 LOWELL MA 018511347, 1, LOWELL, MA 01851-1347

October 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	LOWELL MA
Recording Date	Oct 21, 2020
Property Address	997 MIDDLESEX ST UNIT 1, 1, LOWELL, MA 01851-1347
Document Number	34800-221
Book / Page	34800 / 221
Instrument Date	Oct 15, 2020
Instrument	52966
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	997 MIDDLESEX ST UNIT 1, 1, LOWELL, MA 01851-1347

Mortgage

Document Number	52967
Date	Oct 21, 2020
Instrument	52967

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 997 Middlesex St, Unit 1 was $4,022, up 5.2% 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	Assessed Market Value
2026	$4,022.00 (+5.15%)	$354,400 (+6.36%) Building $354,400	$363,153 (+13.84%)
2025	$3,825.00 (+6.19%)	$333,200 (+10.19%) Building $333,200	$319,010 (+2.72%)
2024	$3,602.00 (+12.53%)	$302,400 (+17.35%) Building $302,400	$310,555
2023	$3,201.00	$257,700 Building $257,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 997 Middlesex St, Unit 1 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 997 Middlesex St, Unit 1 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 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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