81 Liberty St, Lowell MA 01851
Lowell, MA 01851
$649,900
Est. $4,041/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
INVESTMENT OPPORTUNITY IN LOWELL. This well-maintained two-family offers excellent flexibility with separate utilities, updated bathrooms and flooring, and ample off-street parking. Recent improvements include newer siding, fencing, and deck, along with gas heating. Unit 2 features a furnace replaced in 2022, while the hot water heaters were replaced in 2023 and 2021. Both units offer three bedrooms, creating strong rental appeal. Current tenants are paying below-market rents, providing an opportunity for a future owner to increase rental income. DON’T MISS THE OPPORTUNITY TO ADD THIS VERSATILE LOWELL TWO-FAMILY TO YOUR PORTFOLIO.
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Recently Sold Nearby
Property History
Market Insights
39.1%
Price Range
1
Previous Sales
Property Timeline
Listed for Sale
Sep 30, 2026
$649,900
Original listing
Agent: Team Lillian Montalto
Office: Lillian Montalto Signature Properties
Previous Transaction - MLS #72578476
Full transaction history available when tracking began
Previously Sold
Apr 1, 2020
$396,000
MLS #72578476
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/30/2026 | 🏠 Listed for Sale | $649,900 | - | - | Original listing |
| 04/01/2020 | 🏷️ Previously Sold | $396,000 | - | - | MLS #72578476 |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $6,660 | $586,800 |
Financial Details
Annual Property Tax
$6,660
Tax Year 2026
Assessed Value
$586,800
Facts & Features
Home Facts
Type
Residential Income
Style
2 Family - 2 Units Up/Down
Year Built
1940
Living Area
1,956 sq ft
Lot Size
0.14 acres
Stories
2
Bedrooms
6
Full Baths
3
Total Rooms
11
Investment Metrics
Units
2
Unit 1 Rent
$1,700/mo · N
Unit 2 Rent
$1,600/mo · N
Total Monthly Rent
$3,300/mo
Gross Income
$39,600
Net Operating Income
$36,132
Operating Expenses
$3,468
Water/Sewer Expense
$1,500
Electric Expense
$1,968
Cap Rate
5.56%
Interior
Heating
Forced Air, Natural Gas
Cooling
Window Unit(s)
Flooring
Tile, Laminate
Appliances
Range, Dishwasher, Refrigerator
Fireplace
None
Basement
Interior Entry, Concrete, Unfinished
Laundry
Washer Hookup
Features
Bathroom With Shower Stall, Bathroom With Tub, Living Room, Kitchen, Laundry Room, Mudroom
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Rain Gutters
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck
Parking
Features
Paved Drive, Off Street
Total Spaces
6
Utilities
Electric
100 Amp Service
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Gas Range, Washer Hookup
Financial
Annual Tax
$6,660
Assessed Value
$586,800
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Certified Treated
Seller Disclosures
Buyers Responsible For Own Due Diligence. Washer/dryer Tenants Personal Property. Do Not Let Cats Out Of Unit 1. Solar Electric Credits Go To Unit 1 Only. Heating System For Unit 2 Is In Attic, Unit 1 In The Basement.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Sq Ft Disclosures
Broker not responsible for discrepancies in SF
Documents
None
County
Middlesex
Property Overview
Property Type
2 Family - 2 Units Up/Down
Listing Type
For Sale
Year Built
1940
Bedrooms
6
Full Bathrooms
3
Living Area
1,956 sq ft
Total Rooms
11
Stories
2
Levels
2
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,956 sq ft above grade
Display Options
Outdoor Areas
Patio & porchDeck
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:
Tile, Laminate
Appliances:
Range, Dishwasher, Refrigerator
Interior Features:
Bathroom with Shower Stall, Bathroom With Tub, Living Room, Kitchen, Laundry Room, Mudroom
Windows:
Screens
Basement:
Interior Entry, Concrete, Unfinished
Laundry:
Washer Hookup
Security:
Construction & Materials
Year Built:
1940
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Stone
Stories:
2
Heating, Cooling & Utilities
Heating:
Forced Air, Natural Gas
Heating Zones:
2
Cooling:
Window Unit(s)
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Rain Gutters
Patio & Porch:
Deck
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Corner Lot, Level
Road Surface:
Parking & Garage
Total Parking Spaces:
6
Parking Features:
Paved Drive, Off Street
Nearby Schools
School information not available for this location.
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
$555
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
81 Liberty St, Lowell MA 01851
Lowell, MA 01851
Listing Information
Listing Agent
Team Lillian Montalto
Listing Office
Lillian Montalto Signature Properties
Office Phone
978-475-1400
Agent MLS ID
TM338007
Office MLS ID
G62122
Listing Data Updated
Sep 30, 2026 10:07 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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