40 Robert St, Lowell MA 01854

Lowell, MA 01854
$699,900
Est. $4,355/month
Estimate assumptions

20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.

Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.

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6
Beds
3
Baths
2,987
Sq Ft
$234
Price/Sq Ft
0.07
Acres
1930
Year Built
New today
Time on Market
For Sale Listed Nov 4, 2026 • MLS# 73598934 Copied! • Updated Nov 4, 2026

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About this home

Timeless character, inviting spaces, and exciting possibilities come together in this charming Lowell two-family! From the cheerful yellow exterior and classic shutters to the stone-accented front steps and covered porch, this home makes a memorable first impression. Picture starting your morning with coffee on the porch before heading inside to warm hardwood floors, rich wood trim, and sun-filled rooms that feel welcoming from the moment you arrive. The first-floor unit offers 2 bedrooms and 1 full bathroom, along with a living room and kitchen, creating a comfortable setting for everyday living and an appealing rental opportunity. Occupying the second and third floors, the upper unit offers 4 bedrooms and 2 full bathrooms, with a spacious layout that gives everyone room to spread out. Gather for a relaxed evening in the inviting living spaces, enjoy meals in the kitchen’s sunny dining area, or settle into a favorite chair beside the windows. Wood cabinetry, tile flooring, and traditional details lend warmth to the kitchen, while the uppermost rooms offer their own personality with charming sloped ceilings, skylights, and cozy spaces ready for reading, relaxing, or working from home. Hardwood flooring and wood stair details carry the home’s character throughout, creating a sense of warmth that complements a variety of decorating styles. Outside, the expansive rear deck invites summer dinners, weekend gatherings, and quiet evenings under the open sky, with room to create distinct dining and lounging areas. Both units include a refrigerator, washer, and dryer, while separate gas, electric, and water metering adds practical appeal. Whether you envision making the upper unit your own while collecting rental income from the first floor or adding a versatile property to your investment portfolio, this home offers space, charm, and opportunity in one inviting package. Conveniently located near shopping, parks, public transportation, and highway access, it’s a place to enjoy the comforts of home while staying connected to everything Lowell has to offer.

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Recently Sold Nearby

Price & Status History

Property Timeline

🏠
Listed for Sale
Nov 4, 2026
$699,900
Original listing
Agent: Christian Doherty Office: Doherty Properties

Tax History

Year Taxes Assessment
2026 $7,390 $651,100

Financial Details

Annual Property Tax
$7,390
Tax Year 2026
Assessed Value
$651,100

Facts & Features

Home Facts

Type Residential Income
Style Multi Family
Year Built 1930
Living Area 2,987 sq ft
Lot Size 0.07 acres
Stories 3
Bedrooms 6
Full Baths 3
Total Rooms 11

Investment Metrics

Units 2
Unit 1 Rent $2,000/mo · N
Unit 2 Rent — · N
Total Monthly Rent $2,000/mo
Gross Income $24,000
Net Operating Income $24,000
Cap Rate 3.43%
Heating Forced Air, Baseboard
Cooling Wall Unit(s), None
Flooring Tile, Hardwood
Appliances Refrigerator, Washer, Dryer
Fireplace None
Basement Unfinished
Laundry None
Features Living Room, Kitchen
Construction Frame
Architecture None
Roof Slate
Features None
Pool None
Spa None
Fencing None
Patio/Porch None
Features Off Street
Electric None
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $7,390
Assessed Value $651,100
Fee Includes None
Amenities None
Optional Fee Includes None
Lead Paint Unknown
Seller Disclosures Parking Street Only, One City Pass. Downstairs Tenants Are Tenants At Will
Possession None
Accepted Financing None
Structure Type []
House Color Yellow
Sq Ft Source Public Record
Sq Ft Disclosures Buyer to verify measurements. Seller and Listing Agent did not measure.
Documents None
County Middlesex

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1930
Bedrooms
6
Full Bathrooms
3
Living Area
2,987 sq ft
Total Rooms
11
Stories
3
Levels
3

Floor Layout

Interior Features

Flooring: Tile, Hardwood
Appliances: Refrigerator, Washer, Dryer
Interior Features: Living Room, Kitchen
Windows:
Basement: Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1930
Structure Type:
Exterior Materials: Frame
Roof: Slate
Foundation: Stone
Stories: 3

Utilities & Systems

Heating: Forced Air, Baseboard
Cooling: Wall Unit(s), None
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features: Cleared
Road Surface:

Parking & Garage

Parking Features: Off Street
School District
Lowell School District local
C-
⚠ School Safety 2024-25
3.0% Above Average
2.8% Suspensions 0.8% In-School 0.2% Emergency
↓ 2.5% below state avg
E

Elementary Schools

3 schools
B-
Joseph McAvinnue School
0.2 mi | #476 of 825 | Score: 45.4
Improved 211 spots from last year
-12.8 below state avg
468 students Diverse
Rising School Diverse Student Body
Grades PK-04
St. Jeanne D'Arc Elementary School
0.2 mi
Grades PK-08
C
Bartlett Community Partnership School
0.8 mi | #270 of 352 | Score: 34.7
Improved 16 spots from last year
-23.5 below state avg
488 students Diverse
Diverse Student Body
Grades PK-08
M

Middle Schools

3 schools
C+
Dr. An Wang School
0.9 mi | #249 of 352 | Score: 36.2
Improved 44 spots from last year
-22 below state avg
669 students Very Diverse
Rising School Diverse Student Body
Grades 05-08
B-
Kathryn P. Stoklosa Middle School
1.0 mi | #199 of 352 | Score: 40.7
Improved 17 spots from last year
-17.5 below state avg
608 students Diverse
Diverse Student Body
Grades 05-08
B
Justus C. Richardson Middle School
1.4 mi | #174 of 352 | Score: 42.5
Improved 51 spots from last year
-15.7 below state avg
940 students Diverse
Rising School
Grades 06-08
H

High Schools

3 schools
Old Colony Y Lowell Revocation Program
1.0 mi
Grades 09-12
C+
Dracut Senior High School
1.4 mi | #212 of 346 | Score: 51.2
Dropped 50 spots from last year
-7 below state avg
763 students Diverse
17 sports • 1,364 athletes
College Ready Curriculum Strong Athletics Diverse Student Body
Grades 09-12
F
Lowell Middlesex Academy Charter School
1.5 mi | #337 of 346 | Score: 22.3
Improved 9 spots from last year
-35.9 below state avg
124 students Diverse
College Ready Curriculum Diverse Student Body
Grades 09-12
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $616
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

Total of 360 payments $0
Total principal paid $0
Total interest paid $0

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Payment Over Time

Interest
Principal
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.

Location

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Neighborhood

40 Robert St, Lowell MA 01854

Lowell, MA 01854

Listing Information

Listing Agent Christian Doherty
Listing Office Doherty Properties
Office Phone 978-746-0124
Agent MLS ID CT003020
Office MLS ID AC0904
Listing Data Updated Nov 4, 2026 5:29 PM EST
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.

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Steve Novak Real Estate
Steve Novak Real Estate
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