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Single Family ResidenceResidential
$465,072$251 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $224,000 on Jun 29, 2007

20 WATERFORD ST

LOWELL, MA 01854
4
Beds
1
Baths
1,850 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
3,049 ft²
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$465K
$437K low$494K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$224,000 · Jun 29, 2007

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,986 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$434,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$120,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$313,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$410,305

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.07
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Joseph McavinnueD
Elementary · Grades PK–4 · 0.2 mi
M
Bartlett Community PartnershipD-
Middle · Grades PK–8 · 0.4 mi
H
Lowell High SchoolD
High · Grades 9–12 · 1.2 mi

District: Lowell School District

Neighborhood · ZIP 01854These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.139
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.29,844
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6,713 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$64,433
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$91,041
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

20 Waterford St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 88% of homes in Middlesex County
  • Costs less per square foot than 97% of homes in Middlesex County
  • Has a smaller lot than 98% of homes in Pawtucketville
  • Older than 83% of homes in Pawtucketville

What homes are worth in Lowell 01854

Each bar is how many homes fall in that price range. The marker is this home.

This home
$234K$773K

This home is worth more than 50% of homes in Lowell 01854.

How it measures up in Lowell 01854

The dot is this home. The mark in the middle is the typical home in Lowell 01854.

Estimated value$465,072
CheaperTypical $468,020Pricier

Pricier than 50% of homes nearby

Price per ft²$251
CheaperTypical $325Pricier

Pricier than 9% of homes nearby

Living area1,850 ft²
SmallerTypical 1,601 ft²Bigger

Bigger than 62% of homes nearby

Lot size3,049 ft²
SmallerTypical 0.23 acBigger

Bigger than 5% of homes nearby

Year built1920
OlderTypical 1962Newer

Newer than 29% of homes nearby

How 20 Waterford St ranks against every home in each area.
MeasureThis homePawtucketvilleLowell 01854Middlesex County
Estimated valuepricier than$465,07241% of homes50% of homes12% of homes
Price per ft²pricier than$2517% of homes9% of homes3% of homes
Living areabigger than1,850 ft²64% of homes62% of homes51% of homes
Lot sizebigger than3,049 ft²2% of homes5% of homes4% of homes
Year builtnewer than192017% of homes29% of homes26% of homes

About 20 Waterford St

How much is 20 Waterford St, Lowell, MA worth?

The TopHap Estimate for 20 Waterford St, Lowell, MA is $465,072 as of Sep 24, 2026. The likely range is $436,503 to $493,641. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Waterford St, Lowell, MA last sell?

20 Waterford St, Lowell, MA last sold on Jun 29, 2007 for $224,000, according to the county's recorded deed.

How big is 20 Waterford St, Lowell, MA?

20 Waterford St, Lowell, MA has 4 bedrooms, 1 bathrooms, 1,850 square feet of living space and a 0.07-acre lot.

When was 20 Waterford St, Lowell, MA built?

20 Waterford St, Lowell, MA was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 20 Waterford St, Lowell, MA?

20 Waterford St, Lowell, MA is assigned to Joseph Mcavinnue (elementary), rated D; Bartlett Community Partnership (middle), rated D-; Lowell High School (high), rated D. All sit in Lowell School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Waterford St, Lowell, MA compare to other homes in Lowell 01854?

Among the 5,368 homes in Lowell 01854, it is worth more than 50% of them ($465,072 against a typical $468,020), its price per square foot is higher than 9% of them ($251 against a typical $325), it is bigger than 62% of them (1,850 ft² against a typical 1,601 ft²), its lot is bigger than 5% of them (3,049 ft² against a typical 0.23 ac) and it is newer than 29% of them (1920 against a typical 1962). Measured against all of Middlesex County, it is worth more than 12% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20 Waterford St, Lowell, MA?

The 2025 property tax bill for 20 Waterford St, Lowell, MA was $4,986. The county assessed it at $434,300.

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