654 School St, Lowell MA 01851

Lowell, MA 01851
$599,000
Est. $3,748/month
4
Beds
3
Baths
2,527
Sq Ft
$237
Price/Sq Ft
0.13
Acres
1900
Year Built
2
Garage Spaces
1
Days on Market
Pending Listed Jun 16, 2026 • MLS# 73536802 Copied! • Updated Jun 19, 2026

About this home

Opportunity awaits in this spacious two-family home featuring many utility updates and tremendous value-add potential. Situated on a generously sized lot, this property offers a double driveway for ample off-street parking and an oversized detached garage complete with its own heat and electrical service—perfect for a workshop, storage, hobby space, or additional income possibilities.The upper unit benefits from additional finished living space, providing flexibility for a home office, recreation area, or expanded living quarters.While cosmetic updates are needed throughout, much of the home’s original character remains intact. Beautiful hardwood flooring lies beneath, ready to be restored to its former glory. With thoughtful renovations and an appreciation for its natural architectural features, this property has the potential to become truly stunning once again.Ideal for owner-occupants, investors, or multi-generational living, this property combines soli

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Recently Sold Nearby

Property History

Market Insights

Property Timeline

Pending Sale
Jun 18, 2026
Offer accepted, sale pending
🏠
Listed for Sale
Jun 16, 2026
$599,000
Original listing
Office: Jill & Co. Realty Group

Tax History

Year Taxes Assessment
2025 $6,230 $542,700

Financial Details

Annual Property Tax
$6,230
Tax Year 2025
Assessed Value
$542,700

Facts & Features

2 Car Garage

Home Facts

Type Residential Income
Style Multi Family
Year Built 1900
Living Area 2,527 sq ft
Lot Size 0.13 acres
Bedrooms 4
Full Baths 3
Total Rooms 11

Investment Metrics

Units 2
Unit 1 Rent — · N
Unit 2 Rent — · N
Heating Steam, Natural Gas
Cooling None
Flooring Wood, Tile, Vinyl, Parquet, Hardwood
Appliances Range, Refrigerator, Washer, Dryer
Fireplace None
Fireplaces 1
Basement Full, Interior Entry, Bulkhead, Unfinished
Laundry None
Features Floored Attic, Crown Molding, Walk-up Attic, Bathroom With Tub, Living Room, Kitchen
Construction None
Architecture None
Roof Slate
Features None
Pool None
Spa None
Fencing None
Patio/Porch Porch
Garage Spaces 2
Has Garage Yes
Features Paved Drive, Off Street, Paved
Total Spaces 8
Electric 100 Amp Service
Water Public
Sewer Public Sewer
Gas None
Other None

Financial

Annual Tax $6,230
Assessed Value $542,700
Fee Includes None
Amenities None
Optional Fee Includes None
Seller Disclosures Estate Sale, Limited Knowledge, Subject To License To Sell
Possession None
Accepted Financing Other (see Remarks)
Structure Type []
Sq Ft Source Public Record
Documents None
County Middlesex
Total market time (incl. prior listings) 3 days

Property Overview

Property Type
Multi Family
Listing Type
For Sale
Year Built
1900
Bedrooms
4
Full Bathrooms
3
Living Area
2,527 sq ft
Total Rooms
11
Stories
4
Levels
4

Floor Layout

Interior Features

Flooring: Wood, Tile, Vinyl, Parquet, Hardwood
Appliances: Range, Refrigerator, Washer, Dryer
Interior Features: Floored Attic, Crown Molding, Walk-Up Attic, Bathroom With Tub, Living Room, Kitchen
Windows:
Basement: Full, Interior Entry, Bulkhead, Unfinished
Laundry:
Security:

Construction & Materials

Year Built: 1900
Structure Type:
Exterior Materials:
Roof: Slate
Foundation: Stone
Stories: 4

Heating, Cooling & Utilities

Heating: Steam, Natural Gas
Cooling:
Hot Water: Natural Gas
Water Source: Public
Sewer: Public Sewer
Energy Features:

Exterior & Lot

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

Parking & Garage

Garage Spaces: 2
Total Parking Spaces: 8
Parking Features: Paved Drive, Off Street, Paved

Special Features

Fireplaces: 1
Fireplace Type:
Community Amenities: Public Transportation, Shopping, Sidewalks
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

10 schools
Community Christian Academy
0.6 mi
Grades PK-12
Lowell Catholic School
0.6 mi
Grades PK-12
B
Rogers STEM Academy
0.8 mi | #8 of 16 | Score: 33.9
Improved 265 spots from last year
-24.3 below state avg
892 students Diverse
Rising School Diverse Student Body
Grades K-08
B
Lowell Community Charter Public School
0.9 mi | #158 of 352 | Score: 43.9
Improved 29 spots from last year
-14.3 below state avg
816 students Diverse
Rising School Diverse Student Body
Grades PK-08
C
Bartlett Community Partnership School
0.9 mi | #266 of 352 | Score: 34.8
Improved 20 spots from last year
-23.4 below state avg
408 students Very Diverse
Rising School Diverse Student Body
Grades PK-08
Hellenic American Academy
0.9 mi
Grades PK-08
St. Patrick School and Educational Center
1.0 mi
Grades PK-08
Immaculate Conception School
1.5 mi
Grades PK-08
St. Jeanne D'Arc Elementary School
1.7 mi
Grades PK-08
C+
Collegiate Charter School of Lowell
1.7 mi | #238 of 346 | Score: 47.5
Improved 27 spots from last year
-10.7 below state avg
1,212 students Very Diverse
Rising School College Ready Curriculum Diverse Student Body
Grades K-12
M

Middle Schools

7 schools
Laura Lee Therapeutic Day School
0.5 mi
15 students Diverse
Diverse Student Body
Grades 01-08
B-
Kathryn P. Stoklosa Middle School
0.7 mi | #198 of 352 | Score: 40.6
Improved 18 spots from last year
-17.6 below state avg
613 students Diverse
Diverse Student Body
Grades 05-08
B+
James S Daley Middle School
0.8 mi | #120 of 352 | Score: 47.3
Improved 55 spots from last year
-10.9 below state avg
669 students Diverse
Rising School Diverse Student Body
Grades 05-08
C-
Benjamin F. Butler Middle School
1.2 mi | #303 of 352 | Score: 31.0
Dropped 47 spots from last year
-27.2 below state avg
516 students Very Diverse
Diverse Student Body
Grades 05-08
C
Dr. An Wang School
1.7 mi | #255 of 352 | Score: 35.9
Improved 38 spots from last year
-22.3 below state avg
663 students Very Diverse
Rising School Diverse Student Body
Grades 05-08
C-
Henry J Robinson Middle School
2.2 mi | #288 of 352 | Score: 32.5
Improved 31 spots from last year
-25.7 below state avg
600 students Diverse
Rising School Diverse Student Body
Grades 05-08
C
James Sullivan Middle School
2.3 mi | #267 of 352 | Score: 34.8
Improved 38 spots from last year
-23.5 below state avg
625 students Diverse
Rising School Diverse Student Body
Grades 05-08
H

High Schools

4 schools
F
The Career Academy
0.1 mi | #25 of 25 | Score: 14.1
Improved 363 spots from last year
-44.1 below state avg
83 students Diverse
Rising School Diverse Student Body
Grades 09-12
Old Colony Y Lowell Revocation Program
1.1 mi
Grades 09-12
F
Lowell Middlesex Academy Charter School
1.2 mi | #339 of 346 | Score: 21.1
Improved 7 spots from last year
-37.1 below state avg
126 students Diverse
College Ready Curriculum Diverse Student Body
Grades 09-12
D
Leblanc Therapeutic Day School
2.0 mi | #376 of 346 | Score: 32.8
Same rank as last year
36 students Diverse
Diverse Student Body
Grades 09-12
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Monthly Payment Breakdown

Principal & Interest $0
Property Tax $519
Homeowners Insurance $200
PMI (if <20% down) $0

Loan Summary

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Payment Over Time

Interest
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Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
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Location

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Neighborhood

654 School St, Lowell MA 01851

Lowell, MA 01851

Listing Information

Listing Office Jill & Co. Realty Group
Office Phone 603-275-0487
Agent MLS ID CN224097
Office MLS ID AN8563
Listing Data Updated Jun 19, 2026 11:43 AM EDT
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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