FeaturesFlooring - Stone/Ceramic Tile
LevelFirst
109 Mary Theresa Ter, Lowell MA 01854
Lowell, MA 01854
$565,000
Est. $3,537/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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Open House Schedule
15
Nov
Sunday, November 15
10:00 AM - 12:00 PM EST
About this home
This beautifully maintained ranch is completely move-in ready and waiting for its new owner! The main level boasts gleaming hardwood flooring, freshly painted walls throughout the first level, featuring three generously sized bedrooms and a full bathroom. You will love the airy, spacious vibe of the dining room, which is highlighted by a soaring vaulted ceiling, bright skylights, and direct access to the outdoor deck. Don’t let the exterior footprint fool you—the lower level opens up into an expansive, fully finished basement that is perfect for an in-law suite, multi-generational living, or extended guests. This massive lower-level retreat includes an enormous bedroom with a fresh coat of paint, a second full bathroom, and a huge entertainment room or playroom. Unwind in your private enclosed screened sunroom! Featuring a great front yard and generous off-street parking, this home offers convenience at every turn. Enjoy easy access to local schools, UMass Lowell, state forest trails, shopping, grocery stores, Lowell General Hospital, and everyday essentials.
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Recently Sold Nearby
Price & Status History
Market Insights
46%
Price Range
1
Previous Sales
Property Timeline
Listed for Sale
Nov 14, 2026
$565,000
Original listing
Agent: Sharlynna Luong
Office: Lamacchia Realty, Inc.
Previous Transaction - MLS #70238212
Full transaction history available when tracking began
Previously Sold
Oct 7, 2005
$305,000
MLS #70238212
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 11/14/2026 | 🏠 Listed for Sale | $565,000 | - | - | Original listing |
| 10/07/2005 | 🏷️ Previously Sold | $305,000 | - | - | MLS #70238212 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $5,762 | $507,700 |
Financial Details
Annual Property Tax
$5,762
Tax Year 2026
Assessed Value
$507,700
Facts & Features
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1971
Living Area
2,046 sq ft
Lot Size
0.25 acres
Bedrooms
4
Full Baths
2
Total Rooms
8
Interior
Heating
Forced Air, Natural Gas
Cooling
Central Air
Flooring
Tile, Carpet, Hardwood
Appliances
Gas Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Fireplace
None
Fireplaces
1
Basement
Full, Finished
Laundry
Flooring - Stone/ceramic Tile, In Basement
Features
None
Exterior
Construction
None
Architecture
Ranch
Roof
Shingle
Features
Porch - Screened, Deck
Pool
None
Spa
None
Fencing
None
Patio/Porch
Screened, Deck
Parking
Features
Paved Drive, Off Street
Total Spaces
4
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range
Financial
Annual Tax
$5,762
Assessed Value
$507,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
First Floor Bedroom Can Be Put Back To 2 Bedrooms By Adding A Wall.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
Beige
Sq Ft Source
Public Record
Documents
None
County
Middlesex
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1971
Bedrooms
4
Full Bathrooms
2
Living Area
2,046 sq ft
Total Rooms
8
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,121 sq ft above grade
925 sq ft below grade
FeaturesFlooring - Hardwood
LevelFirst
FeaturesFlooring - Hardwood
LevelFirst
FeaturesBathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
LevelFirst
FeaturesVaulted Ceiling(s), Flooring - Hardwood
LevelFirst
FeaturesFlooring - Hardwood
LevelFirst
FeaturesFlooring - Hardwood
LevelFirst
FeaturesFlooring - Wall to Wall Carpet
LevelBasement
FeaturesBathroom - With Shower Stall, Flooring - Stone/Ceramic Tile
LevelBasement
FeaturesBathroom - Full, Flooring - Stone/Ceramic Tile
LevelBasement
Display Options
Outdoor Areas
Patio & porchScreened, Deck
Room Markers
KKitchen (1)
BRBedroom (4)
BABathroom (2)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Tile, Carpet, Hardwood
Appliances:
Gas Water Heater, Range, Dishwasher, Refrigerator, Washer, Dryer
Interior Features:
Windows:
Basement:
Full, Finished
Laundry:
Flooring - Stone/Ceramic Tile, In Basement
Security:
Construction & Materials
Style:
Ranch
Year Built:
1971
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Concrete Perimeter
Utilities & Systems
Heating:
Forced Air, Natural Gas
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch - Screened, Deck
Patio & Porch:
Screened, Deck
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street
Special Features
Fireplaces:
1
Fireplace Type:
Community Amenities:
Shopping, Medical Facility, Public School, University
Nearby Schools
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
Elementary Schools
10 schools
St. Jeanne D'Arc Elementary School
0.8 mi
Grades PK-08
C
Bartlett Community Partnership School
1.0 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
Community Christian Academy
1.3 mi
Grades PK-12
C+
Collegiate Charter School of Lowell
1.3 mi
|
#243 of 346
|
Score: 47.6
Improved 22 spots from last year
-10.6 below state avg
1,205 students
Very Diverse
Rising School
College Ready Curriculum
Diverse Student Body
Strong Attendance
Grades K-12
St. Patrick School and Educational Center
1.4 mi
Grades PK-08
Hellenic American Academy
1.6 mi
Grades PK-08
B
Lowell Community Charter Public School
1.8 mi
|
#154 of 352
|
Score: 44.1
Improved 33 spots from last year
-14.2 below state avg
815 students
Diverse
Rising School
Diverse Student Body
Strong Attendance
Grades PK-08
St. Louis Elementary School
1.9 mi
Grades PK-08
Lowell Catholic School
2.0 mi
Grades PK-12
B
Rogers STEM Academy
2.1 mi
|
#8 of 16
|
Score: 34.3
Improved 265 spots from last year
-23.9 below state avg
895 students
Diverse
Rising School
Diverse Student Body
Grades K-08
Middle Schools
7 schools
C+
Dr. An Wang School
0.3 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
1.2 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+
James S Daley Middle School
2.0 mi
|
#128 of 352
|
Score: 46.6
Improved 47 spots from last year
-11.6 below state avg
686 students
Diverse
Rising School
Diverse Student Body
Grades 05-08
Laura Lee Therapeutic Day School
2.1 mi
15 students
Diverse
Grades 01-08
C-
Henry J Robinson Middle School
2.2 mi
|
#288 of 352
|
Score: 32.7
Improved 31 spots from last year
-25.5 below state avg
580 students
Diverse
Rising School
Diverse Student Body
Grades 05-08
C
Benjamin F. Butler Middle School
2.8 mi
|
#260 of 352
|
Score: 35.7
Dropped 4 spots from last year
-22.5 below state avg
488 students
Diverse
Diverse Student Body
Grades 05-08
C
James Sullivan Middle School
3.4 mi
|
#267 of 352
|
Score: 34.9
Improved 38 spots from last year
-23.3 below state avg
606 students
Diverse
Rising School
Diverse Student Body
Grades 05-08
High Schools
4 schools
Old Colony Y Lowell Revocation Program
1.4 mi
Grades 09-12
F
The Career Academy
1.7 mi
|
#25 of 25
|
Score: 18.1
Improved 363 spots from last year
-40.1 below state avg
108 students
Diverse
Rising School
Diverse Student Body
Grades 09-12
F
Lowell Middlesex Academy Charter School
1.9 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
D
Leblanc Therapeutic Day School
3.3 mi
|
#376 of 346
|
Score: 32.8
Same rank as last year
31 students
Diverse
Diverse Student Body
Grades 09-12
Learn about these ratings
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Monthly Payment
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Principal, interest, taxes & insurance
Loan Amount
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After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$480
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
$0/mo
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Current Rate
$0/mo
+0.5% Rate
$0/mo
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Payment Over Time
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
109 Mary Theresa Ter, Lowell MA 01854
Lowell, MA 01854
Listing Information
Listing Agent
Sharlynna Luong
Listing Office
Lamacchia Realty, Inc.
Office Phone
978-250-1900
Agent MLS ID
CN230756
Office MLS ID
AN5825
Listing Data Updated
Nov 13, 2026 10:08 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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