Middlesex County and Lowell City property record for 12 Ayer Ave, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,089 sqft · built 1920 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $104,900 (May 1989) |
| Tax Bill | $4,986 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | G09260 |
| Primary APN | G09260 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,089 sqft Living Area |
| Gross Area | 2,363 sqft |
| 1st Floor Area | 617 sqft |
| Basement Area | 617 sqft |
| Unfinished Basement | 617 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | G09260 |
|---|---|
| Street Address | 12 AYER AVE |
| City | LOWELL |
| State | MA |
| Zip | 01852-4503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TSF |
| Legal Block | 340 |
| Legal Lot Number | 12 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 312200 |
12 Ayer Ave is owned and occupied by two individuals who bought it in May 1989.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 AYER AVE, LOWELL, MA 01852-4503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 1989 · Amount on File |
| Deed Sale | May 31, 1989 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 12 AYER AVE, LOWELL, MA 01852-4503 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 036814-164 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 36814/164 |
| Instrument | 7105 |
| Name | LOWELL FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Mar 1, 2032 |
| Index | Other |
| Margin | 3 |
The 2026 property tax bill for 12 Ayer Ave was $4,986, up 7.6% from the year before.
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,986.00 (+7.64%) | $439,300 (+8.87%) Land $178,200 Building $261,100 | $422,347 (+16.14%) |
| 2025 | $4,632.00 (+2.61%) | $403,500 (+6.46%) Land $161,800 Building $241,700 | $363,660 (+4.33%) |
| 2024 | $4,514.00 (+6.59%) | $379,000 (+11.14%) Land $151,200 Building $227,800 | $348,555 |
| 2023 | $4,235.00 | $341,000 Land $131,500 Building $209,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Ayer Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12 Ayer Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOWELL REGIONAL WATER UTILITY serves 120,418 people · EPA ID MA3160000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2017 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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