Middlesex County and Lowell City property record for 12 Olive St, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,047 sqft · built 1920 |
| Lot Size | 0.04 acres (1,742 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Apr 2018) |
| Tax Bill | $4,024 (2026) |
| Deeds & Mortgages | May 2023 Line of Credit Apr 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A02180 |
| Primary APN | A02180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,047 sqft Living Area |
| Gross Area | 1,756 sqft |
| 1st Floor Area | 667 sqft |
| Basement Area | 475 sqft |
| Unfinished Basement | 475 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 | 1,742 sqft (0.04 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | A02180 |
|---|---|
| Street Address | 12 OLIVE ST |
| City | LOWELL |
| State | MA |
| Zip | 01852-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | USF |
| Legal Block | 4410 |
| Legal Lot Number | 12 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 312100 |
12 Olive St is owned and occupied by an individual who bought it in April 2018.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| 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.
| Date | Document |
|---|---|
| May 10, 2023 | Deed of Trust, Mortgage · Line of Credit DIGITAL FCU |
| Apr 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Apr 30, 2018 | Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS |
| Jan 3, 2017 | Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2018 · Amount on File |
| Deed Sale | Apr 30, 2018 · Amount on File |
| Prior Sale | Oct 12, 2017 · Amount on File |
| Deed Book / Page | 32038 / 271 |
| Transfer Doc | 032038-271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0037823-76 |
|---|---|
| Date | May 10, 2023 |
| Book Page | 37823/76 |
| Instrument | 12883 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Jun 1, 2063 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 034008-184 |
|---|---|
| Date | Apr 10, 2020 |
| Book Page | 34008/184 |
| Instrument | 15308 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Apr 30, 2018 |
| Property Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| Document Number | 32038-271 |
| Book / Page | 32038 / 271 |
| Instrument | 17218 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20.98 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| Document Number | 320380274 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 32038/0274 |
| Name | RESIDENTIAL MTG SVCS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 30, 2048 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jan 3, 2017 |
| Property Address | 12 OLIVE ST, LOWELL, MA 01852-4007 |
| Document Number | 30809-80 |
| Book / Page | 030809 / 000080 |
| Instrument Date | Dec 26, 2016 |
| Instrument | 91 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 24, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $843.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493 |
The 2026 property tax bill for 12 Olive St was $4,024, up 6.5% 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 | $4,024.00 (+6.48%) | $354,500 (+7.69%) Land $101,100 Building $253,400 | $375,488 (+16.87%) |
| 2025 | $3,779.00 (+3.56%) | $329,200 (+7.44%) Land $94,500 Building $234,700 | $321,290 (+4.61%) |
| 2024 | $3,649.00 (+5.77%) | $306,400 (+10.3%) Land $85,300 Building $221,100 | $307,135 |
| 2023 | $3,450.00 | $277,800 Land $74,100 Building $203,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Olive St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 12 Olive St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 744 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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