20 Howard St, Lowell MA 01851
Lowell, MA 01851 • Downtown
$650,000
Est. $4,040/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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About this home
Well-maintained 2,701 sq ft commercial building in the heart of downtown Lowell, built in 1880! Features two separate spaces with a garage bay on each side (previously an auto body business), an office area, and a half bath on the upper level. Solid brick construction, 12-ft ceilings, shared parking lot for approximately 10 vehicles plus additional off-street parking. Endless potential for owner-users, investors, contractors, retail, storage, automotive use, and more. Also offered combined as 20-26 Howard St.
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Recently Sold Nearby
Price & Status History
Property Timeline
Listed for Sale
Oct 12, 2026
$650,000
Original listing
Agent: Christian Doherty
Office: Doherty Properties
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 10/12/2026 | 🏠 Listed for Sale | $650,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $6,641 | — |
Financial Details
Annual Property Tax
$6,641
Tax Year 2026
Facts & Features
Home Facts
Type
Commercial Sale
Year Built
1880
Living Area
2,701 sq ft
Lot Size
0.11 acres
Investment Metrics
Gross Income
$62,400
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
None
Laundry
None
Features
None
Exterior
Construction
None
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
None
Utilities
Electric
None
Water
None
Sewer
None
Gas
None
Other
Public Water, Public Sewer, Natural Gas Available
Financial
Annual Tax
$6,641
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Seller Disclosures
All Information Deemed Reliable But Not Guaranteed. Seller Has Reviewed And Approved All Listing Information. Buyer And Buyers Agent To Verify All Information Including Measurements, Square Footage, Room Sizes, Taxes, And Property Details. Listing Agent And Seller Did Not Measure The Property.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Documents
None
County
Middlesex
Property Overview
Listing Type
For Sale
Year Built
1880
Living Area
2,701 sq ft
Floor Layout
Interior Features
Flooring:
Appliances:
Interior Features:
Windows:
Basement:
Laundry:
Security:
Construction & Materials
Year Built:
1880
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Utilities & Systems
Heating:
Cooling:
Hot Water:
Water Source:
Sewer:
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Parking Features:
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
B
Lowell Community Charter Public School
0.3 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
B
Rogers STEM Academy
0.3 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
Hellenic American Academy
0.4 mi
Grades PK-08
St. Patrick School and Educational Center
0.6 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
Immaculate Conception School
0.9 mi
Grades PK-08
Community Christian Academy
0.9 mi
Grades PK-12
Lowell Catholic School
1.1 mi
Grades PK-12
St. Michael Elementary School
1.2 mi
Grades PK-08
St. Louis Elementary School
1.3 mi
Grades PK-08
Middle Schools
7 schools
B-
Kathryn P. Stoklosa Middle School
0.5 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
Laura Lee Therapeutic Day School
0.9 mi
15 students
Diverse
Grades 01-08
C
Benjamin F. Butler Middle School
1.1 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
B+
James S Daley Middle School
1.4 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
C-
Henry J Robinson Middle School
1.6 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+
Dr. An Wang School
1.8 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
C
James Sullivan Middle School
1.8 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
F
The Career Academy
0.4 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
0.6 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
Old Colony Y Lowell Revocation Program
0.6 mi
Grades 09-12
D
Leblanc Therapeutic Day School
1.6 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
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
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
$553
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
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
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
Downtown
20 Howard St, Lowell MA 01851
Lowell, MA 01851
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
Oct 12, 2026 11:23 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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