Richard P. Howe Jr.
Register of Deeds


Middlesex North Registry of Deeds

360 Gorham Street - Lowell, Massachusetts 01852 - T.978/322-9000


Middlesex North Towns

Billerica Carlisle
Chelmsford Dracut
Dunstable Lowell
Tewksbury Tyngsborough
Westford Wilmington

All other Middlesex County towns are in Middlesex South District


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Declaration of Homestead

Massachusetts law permits homeowners to protect the family residence from creditors by filing a Declaration of Homestead at the Registry of Deeds.

Here's how the homestead works: You just fill out the form and record it at the Registry of Deeds. Once that's done, up to $500,000 in the equity of your home is exempt from the laws of debt collection. In other words, if a creditor obtains a court judgment against you, the creditor cannot force the sale of your home to satisfy the debt.

To record a homestead in person: Come to the Middlesex North Registry of Deeds (360 Gorham St, Lowell) on business days from 8:30 a.m. until 4:00 p.m. We provide you with the necessary form and will notarize your signature. The recording fee for the homestead is $35 (cash or check only). We will scan the homestead, retain an electronic copy, and return the original to you while you wait. The entire process takes 5 minutes. For married couples: Both spouses must be present to sign the homestead.

To record a homestead by mail: Download and print a blank homestead form. Fill out the form and sign it in front of a notary public who will acknowledge your signature. Mail the completed form, a check payable to Registry of Deeds for $35, and a self-addressed, stamped envelope to Middlesex North Registry of Deeds, 360 Gorham St, Lowell MA 01852. We will record the homestead and mail the original back to you.  

Do I already have a Homestead: Call us at (978) 322-9000 or email and we'll check if you do. Or check for yourself by searching your name on our website.

To download a blank Homestead form CLICK HERE

To download a blank Homestead form for property held in trust CLICK HERE

To read the Massachusetts Homestead Law (MGL c.188), CLICK HERE

To download a Homestead Q & A pamphlet, CLICK HERE