45 Varney St, Lowell MA 01854
Lowell, MA 01854
$699,900
Est. $4,219/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
45 Varney St is a charming Italianate 3 unit property with off-street parking and a low-maintenance fenced yard. The beautiful curved front staircase, pretty bow windows, and intricate woodwork are nods to the grand, historic architecture of days gone by. Unit 1 encompasses the entire first floor and features high ceilings, hardwood floors, and a flexible 2-3 bedroom layout. There is a living room, formal dining room, bedroom, eat-in kitchen, and another bedroom that is used as a laundry room by current occupant. Upstairs are 2 smaller (but equally charming!) units, each with 1 bedroom, a living room, kitchen, and a full bath. Unit 3 has a walk-up attic for storage. Separate utilities; newer roof and back retaining wall, extensive plumbing updates; DELEADED! This a great, manageable multi-family property for your portfolio.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 10, 2026
$699,900
Original listing
Agent: Katy Barry
Office: Coldwell Banker Realty - Lowell
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/10/2026 | 🏠 Listed for Sale | $699,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,764 | $502,100 |
Financial Details
Annual Property Tax
$5,764
Tax Year 2025
Assessed Value
$502,100
Facts & Features
Home Facts
Type
Residential Income
Style
3 Family
Year Built
1870
Living Area
2,064 sq ft
Lot Size
0.08 acres
Stories
3
Bedrooms
4
Full Baths
3
Total Rooms
11
Investment Metrics
Units
3
Unit 1 Rent
$1,700/mo · N
Unit 2 Rent
$1,200/mo · N
Unit 3 Rent
$1,250/mo · N
Total Monthly Rent
$4,150/mo
Gross Income
$49,800
Net Operating Income
$41,800
Operating Expenses
$8,000
Cap Rate
5.97%
Interior
Heating
Steam, Natural Gas
Cooling
None
Flooring
Wood, Tile, Hardwood
Appliances
Range, Refrigerator, Dishwasher
Fireplace
None
Basement
Full, Unfinished
Laundry
None
Features
Ceiling Fan(s), Lead Certification Available, Crown Molding, Bathroom With Tub & Shower, Walk-up Attic, Living Room, Dining Room, Kitchen, Laundry Room, Living Rm/dining Rm Combo
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Stone Wall
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck - Wood
Parking
Features
Paved Drive, Off Street, Paved
Total Spaces
2
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, Varies Per Unit
Financial
Annual Tax
$5,764
Assessed Value
$502,100
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Certified Treated
Seller Disclosures
None
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
tan
Sq Ft Source
Public Record
Sq Ft Disclosures
Floor plans provided for convenience only; may not be exact.
Documents
None
County
Middlesex
Property Overview
Property Type
3 Family
Listing Type
For Sale
Year Built
1870
Bedrooms
4
Full Bathrooms
3
Living Area
2,064 sq ft
Total Rooms
11
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
2,064 sq ft above grade
Display Options
Outdoor Areas
Patio & porchDeck - Wood
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
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:
Wood, Tile, Hardwood
Appliances:
Range, Refrigerator, Dishwasher
Interior Features:
Ceiling Fan(s), Lead Certification Available, Crown Molding, Bathroom With Tub & Shower, Walk-Up Attic, Living Room, Dining Room, Kitchen, Laundry Room, Living RM/Dining RM Combo
Windows:
Box/Bay/Bow Window(s)
Basement:
Full, Unfinished
Laundry:
Security:
Construction & Materials
Year Built:
1870
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Stories:
3
Heating, Cooling & Utilities
Heating:
Steam, Natural Gas
Cooling:
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Stone Wall
Patio & Porch:
Deck - Wood
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
2
Parking Features:
Paved Drive, Off Street, Paved
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
C
Bartlett Community Partnership School
0.2 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
St. Patrick School and Educational Center
0.3 mi
Grades PK-08
Hellenic American Academy
0.5 mi
Grades PK-08
B
Lowell Community Charter Public School
0.7 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. Jeanne D'Arc Elementary School
0.8 mi
Grades PK-08
Community Christian Academy
0.9 mi
Grades PK-12
B
Rogers STEM Academy
0.9 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
St. Louis Elementary School
1.1 mi
Grades PK-08
Immaculate Conception School
1.2 mi
Grades PK-08
St. Michael Elementary School
1.2 mi
Grades PK-08
Middle Schools
7 schools
B-
Kathryn P. Stoklosa Middle School
0.2 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
C+
Dr. An Wang School
1.3 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
Laura Lee Therapeutic Day School
1.3 mi
15 students
Diverse
Grades 01-08
C-
Henry J Robinson Middle School
1.5 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
B+
James S Daley Middle School
1.6 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
Benjamin F. Butler Middle School
1.7 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
2.2 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
0.4 mi
Grades 09-12
F
Lowell Middlesex Academy Charter School
0.8 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
F
The Career Academy
0.8 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
D
Leblanc Therapeutic Day School
2.1 mi
|
#376 of 346
|
Score: 32.8
Same rank as last year
31 students
Diverse
Diverse Student Body
Grades 09-12
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Property Tax
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95% Interest
Year 15
50/50
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Location
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Neighborhood
45 Varney St, Lowell MA 01854
Lowell, MA 01854
Listing Information
Listing Agent
Katy Barry
Listing Office
Coldwell Banker Realty - Lowell
Office Phone
603-334-1900
Agent MLS ID
CN218507
Office MLS ID
AN9588
Listing Data Updated
Sep 10, 2026 10:29 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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