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103 Dalton St, Lowell, MA, 01850

5beds
3baths
3,497sqft
$700,000
$200price/sqft
$5,146/moest. monthly cost
$205,840/yrincome needed

About This Home

Auction has been cancelled, no quick timeline. Seller is now open to all offers and seeking market value. Flexible closing terms. Massive two-family property offering approximately 3,500 square feet of living space in a highly convenient location near UMass Lowell and the scenic Merrimack River. One unit features bi-level living with 3 bedrooms and 1.5 baths, while the second unit offers 2 bedrooms plus a flexible office or potential third bedroom. The larger unit will be delivered vacant, making it ideal for an owner-occupant or for placing a new tenant at market rent, while the second unit is currently occupied on a month-to-month basis. A rare opportunity for investors or owner-occupants seeking space, versatility, and strong rental potential in a prime location.

Getting Around

81
WalkingVery Walkable
38
TransitSome Transit
51
BikeBikeable

Schools

4/10
4/10
4/10
Lowell High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Stone
  • Roof: Shingle,Rubber
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Range,Microwave,Refrigerator
  • Laundry features: Washer & Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Storage,Upgraded Cabinets,Bathroom With Tub & Shower,Open Floorplan,Bathroom With Tub,Living Room,Dining Room,Kitchen,Sunroom,Office/Den
  • Window features: Screens
  • Flooring: Wood,Vinyl,Hardwood,Stone/Ceramic Tile
  • Finished area above ground: 3,497

Heating

  • Heating features: Hot Water,Baseboard

Interior Area

  • Total structure area: 3,497
  • Total interior livable area: 3,497 sqft

Property

Details

  • Parcel number: 3186768
  • Zoning: TTF

Features

  • Fencing: Fenced/Enclosed,Fenced

Lot

  • Lot size: 3,049 sqft
  • Features: Corner Lot,Cleared

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

  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Ice Storm
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

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

MonthlyAnnual
Mortgage $3,539$42,468
Home Insurance *$269$3,228
Property Taxes $649$7,788
Electricity $689$8,275
Total$5,146$61,752
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,434/yr
40% on housing$154,380/yr
45% on housing$137,226/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

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.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$200This listing

vs Other Active Listings

Avg $/sqft

ZIP 01850$245
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01850$308
Middlesex County$413

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

DateEventPrice
2026-05-11Price change$720,000
2026-04-24Price change$599,000
2026-04-08Listed for sale$720,000
2011-04-05Sold$706
2000-09-11Sold$140,000
1998-07-14Sold$97,500
1995-01-27Sold$57,000
1994-04-12Sold$44,000

For Sale by Agent

AgentEclipse Group
BrokerageCameron Real Estate Group

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