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Adam Dow

| The Dow Group | #1 Real Estate Team in New Hampshire

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161 Smith St , Lowell, MA 01851
$675,000
Est. Payment: $3,683.75/mo
7 Bed
2 Bath
2979 Sqft
0.11 Acres
Status: active | Days on site: 25
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House Description

Well-maintained two-family in Lowell’s Highlands, ideal for an owner-occupant or investor! Unit 1 offers 3 bedrooms, 1 full bath, and approximately 1,100 sq ft and is tenant-occupied on a month-to-month basis at $2,000/month. Unit 2 spans the second and third floors with 5 bedrooms, 1 full bath, and approximately 1,700 sq ft, featuring fresh paint throughout, new second-floor carpeting, and ceiling fans in most second-floor rooms. Both units offer kitchens with granite counters, stainless steel appliances, vented range hoods, in-unit laundry, and separate walk-out exterior access. Most rooms feature 9-foot ceilings. Optional basement storage. Enjoy a spacious backyard with a new fence (2026), fire pit, 10 x 12 shed, and 6 x 8 greenhouse. Updates include approximately 2-year-old gas water heaters in both units, Nest programmable thermostats, and windows and electrical updated in 2015. Separately metered utilities; tenants pay heat, hot water, and electricity. Lead paint compliant. Potential for A/C. On-street parking. First-floor washer and dryer belong to the tenant. Convenient to shopping, dining, parks, downtown Lowell, commuter rail, the Lowell Connector, Route 3, and I-495.

Highlights

Listed by Jennifer Mason , 978-995-4885 Coldwell Banker Realty - Andovers/Readings Regional , 978-475-2201. MLS Property Information Networks, Inc.

Property Type

Multi-Family

Lot/Acreage
0.11

Year Built

1850

County

Middlesex

Area

Highlands

Listing ID

73587368

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:7
  • ▪ Bathrooms:2
  • ▪ Full Bathrooms:2
Appliances:Range, Dishwasher, Microwave, Refrigerator, Washer, Dryer
Floor:Tile,Vinyl,Carpet
Other:
  • ▪ Additional:Storage, Stone/Granite/Solid Counters, Internet Available - Unknown, Ceiling Fan(s), Bathroom With Tub & Shower, Living Room, Kitchen
Water:Public,Individual Meter

Exterior Features

Garage Capacity:0
Zoning:TMF
Roof:Slate
Others:
  • ▪ Additional:Balcony/Deck, Garden
Sewer:Public Sewer
Principal Interest
$3,684
Taxes
$504

Home Price

$675,000

Loan Details

30 yrs
7.25%

Down Payment

20%
$135,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$3,683.75

Principal

Taxes

Principal Taxes HOA Total
Monthly $3,683.75 $503.67 $0.00 $4,187.42
Yearly $44,205.02 $6,044.00 $0.00 $50,249.02
Total $1,326,150.69 $181,320.00 $0.00 $1,507,470.69

Today's Rates

30 Year

7.25%

20 Year

7.03%

15 Year

6.68%

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Market insight data is pulled from the same city as the listing being viewed (Lowell, MA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

The property listing data and information, or the Images, set forth herein were provided to MLS Property Information Network, Inc. from third party sources, including sellers, lessors and public records, and were compiled by MLS Property Information Network, Inc. The property listing data and information, and the Images, are for the personal, non-commercial use of consumers having a good faith interest in purchasing or leasing listed properties of the type displayed to them and may not be used for any purpose other than to identify prospective properties which such consumers may have a good faith interest in purchasing or leasing. MLS Property Information Network, Inc. and its subscribers disclaim any and all representations and warranties as to the accuracy of the property listing data and information, or as to the accuracy of any of the Images, set forth herein.

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Data last updated: 2026-10-31T18:51:20.000Z

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