525 Chelmsford St, Lowell, MA, 01851
About This Home
Welcome to a rare mixed-use opportunity in Lowell — offering both prime commercial space with room to expand on the unfinished 2nd floor and a spacious residential unit on the property. This well-located building features two retail storefronts on the ground level with off street parking, ideal for small businesses, office space, or rental income. With strong street visibility and steady traffic along Chelmsford Street, these units provide excellent potential for owners or investors seeking built-in cash flow. You’ll find parking for up to 10+ vehicles plus a carport on the Plain Street side — a valuable asset for both commercial tenants and residents in this high-demand area. Between the commercial units sits a generous 4–5 bedroom residential, offering large bedrooms, a flexible floor plan, and plenty of space to customize. Perfect for an owner-occupant or as an additional rental, this home adds versatility to the property’s income potential.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Foundation: Stone
- Roof: Shingle,Rubber
- Construction materials: Frame,Block
Type & Style
- Home type: MultiFamily
- Property subType: 3 Family
Interior
Appliances
- Appliances included: Range,Refrigerator
- Laundry features: Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Partial
Features
- Living Room,Dining Room,Kitchen,Laundry Room
- Finished area above ground: 3,774
Heating & Cooling
- Heating features: Baseboard,Natural Gas
- Cooling features: Wall Unit(s),None
Interior Area
- Total structure area: 3,774
- Total interior livable area: 3,774 sqft
Property
Details
- Parcel number: M:125 B:1190 L:525,3184202
- Zoning: TTF
Features
- Patio & porch: Enclosed
Lot
- Lot size: 0.25 Acres
Parking
- Total spaces: 16
- Parking features: Paved Drive,Off Street
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
- Uncovered spaces: 15
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Ice Storm
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters Across Massachusetts Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,514 | $42,168 |
| Home Insurance * | $249 | $2,988 |
| Property Taxes | $1,301 | $15,612 |
| Electricity | $744 | $8,930 |
| Total | $5,808 | $69,696 |
Income You'd Need if You Spent...
Massachusetts FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-16 | Price change | $750,000 |
| 2025-12-08 | Listed for sale | $795,000 |
| 1992-06-15 | Sold | $115,000 |
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