48 Gertrude Ave, Lowell MA 01851
Lowell, MA 01851
$619,900
Est. $4,123/month
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About this home
Attention investors!! Looking for the most affordable two family in the upper Highlands with plenty of rental income potential? Great long term tenants on the 2nd floor of 15 years who really want to stay. Renovate first floor for yourself and let the tenants help with your mortgage while giving it your finishing touches. This place has 3 spacious bedrooms on each floor with high ceilings, full walk up attic, off street parking, a gas generator for the first floor unit, two 100 amp electric panels, vinyl siding, Harvey windows, newer water tanks and 2 furnaces that are ten years old. Walk to Tyler Park for summer concerts, on the bus route and 5 minute ride to the train station, and just minutes to NH for tax free shopping. Group showing Wednesday from 4 to 6 PM or make appointment on showing time. First floor is vacant, and 24 hr appt required for second floor. This gem will not last!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 8, 2026
$619,900
Original listing
Agent: Kevin Durkin
Office: LAER Realty Partners
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/08/2026 | 🏠 Listed for Sale | $619,900 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $9,463 | $824,300 |
Financial Details
Annual Property Tax
$9,463
Tax Year 2025
Assessed Value
$824,300
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1930
Living Area
4,426 sq ft
Lot Size
0.15 acres
Stories
2
Bedrooms
6
Full Baths
2
Total Rooms
12
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
$2,500/mo · N
Total Monthly Rent
$2,500/mo
Gross Income
$30,000
Net Operating Income
$30,000
Operating Expenses
$2,230
Water/Sewer Expense
$2,200
Insurance Expense
$1,500
Cap Rate
4.84%
Interior
Heating
Hot Water, Steam, Natural Gas
Cooling
None
Flooring
Wood, Tile, Vinyl / Vct, Carpet, Laminate, Hardwood
Appliances
Range, Refrigerator
Fireplace
None
Basement
Full, Bulkhead, Concrete
Laundry
None
Features
Ceiling Fan(s), Pantry, Storage, Floored Attic, Walk-up Attic, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen, Mudroom
Exterior
Construction
Frame
Architecture
None
Roof
Shingle, Rubber
Features
Garden
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch, Screened, Deck - Wood
Parking
Features
Paved Drive, Off Street, On Street, Paved
Total Spaces
6
Utilities
Electric
Circuit Breakers, 100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, For Gas Oven
Financial
Annual Tax
$9,463
Assessed Value
$824,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
The Sellers Havent Lived In The House Since They Were Children. Long Term Tenant Of 15+ Years Has No Lease But Would Love To Stay. The Only Appliances Owned By The Seller On The Second Floor Is The Stove.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Documents
None
County
Middlesex
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1930
Bedrooms
6
Full Bathrooms
2
Living Area
4,426 sq ft
Total Rooms
12
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
4,426 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch, Screened, Deck - 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, Vinyl / VCT, Carpet, Laminate, Hardwood
Appliances:
Range, Refrigerator
Interior Features:
Ceiling Fan(s), Pantry, Storage, Floored Attic, Walk-Up Attic, Bathroom With Tub & Shower, Living Room, Dining Room, Kitchen, Mudroom
Windows:
Insulated Windows, Screens
Basement:
Full, Bulkhead, Concrete
Laundry:
Security:
Construction & Materials
Year Built:
1930
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle, Rubber
Foundation:
Stone, Granite
Stories:
2
Heating, Cooling & Utilities
Heating:
Hot Water, Steam, Natural Gas
Cooling:
None
Hot Water:
Natural Gas
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Garden
Patio & Porch:
Porch, Screened, Deck - Wood
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Paved
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street, On 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
3 schools
Community Christian Academy
0.5 mi
Grades PK-12
B
Charles W Morey School
0.7 mi
|
#373 of 825
|
Score: 48.4
Improved 204 spots from last year
-9.8 below state avg
503 students
Diverse
Rising School
Diverse Student Body
Grades PK-04
C+
Collegiate Charter School of Lowell
0.8 mi
|
#244 of 346
|
Score: 47.6
Improved 21 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
Middle Schools
3 schools
B+
James S Daley Middle School
0.7 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+
Dr. An Wang School
1.1 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
1.2 mi
15 students
Diverse
Grades 01-08
High Schools
3 schools
F
The Career Academy
1.1 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
Old Colony Y Lowell Revocation Program
1.6 mi
Grades 09-12
A
Chelmsford High School
1.8 mi
|
#62 of 346
|
Score: 65.7
Dropped 40 spots from last year
+7.5 above state avg
1,442 students
Diverse
20 sports
• 2,624 athletes
Strong AP Program
High Graduation Rate
College Ready Curriculum
Strong Athletics
Grades 09-12
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Monthly Payment Calculator
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
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$789
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
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+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
48 Gertrude Ave, Lowell MA 01851
Lowell, MA 01851
Listing Information
Listing Agent
Kevin Durkin
Listing Office
LAER Realty Partners
Office Phone
978-251-8221
Agent MLS ID
D0006645
Office MLS ID
AN1199
Listing Data Updated
Sep 8, 2026 6:31 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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