12 Robert St, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 12 Robert St, Lowell, MA 01854

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,246 sqft · built 1925
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Aug 2018)
Tax Bill	$5,842 (2025)
Deeds & Mortgages	Jun 2020 Refinance Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R03960`

Property Details

APN / Parcel Number

Primary APN	`R03960`
Alternative APNs	`LOWE M:96 B:5000 L:12` `M:000096 T:R03960`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,246 sqft Living Area
Gross Area	3,541 sqft
1st Floor Area	1,338 sqft
Basement Area	1,069 sqft
Unfinished Basement	1,069 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,049 sqft (0.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R03960
Street Address	12 ROBERT ST
City	LOWELL
State	MA
Zip	01854-2322
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TSF
Legal Block	5000
Legal Lot Number	12
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3003
Census Tract	310602

Owner

Source: Middlesex County and Lowell City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 ROBERT ST, LOWELL, MA 01854-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ABSM AMERICAN BANCSHARES MORTGAGE LLC
Aug 14, 2018	Quit Claim Deed, Transfer ABSM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Apr 28, 2006 · Amount on Record
Deed Book / Page	32325 / 39
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 ROBERT ST, LOWELL, MA 01854-2322
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034212-226
Date	Jun 8, 2020
Book Page	34212/226
Instrument	24645

Lender

Name	ABSM AMERICAN BANCSHARES MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Aug 14, 2018
Property Address	12 ROBERT ST, LOWELL, MA 01854-2322
Document Number	32325-39
Book / Page	32325 / 39
Instrument	35117
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.53
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	323250043
Date	Aug 14, 2018
Instrument	32325/0043

Lender

Name	ABSM

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2048

Tax Assessment & Valuation

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Lowell City
Unified School District	Lowell School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,842.00 (+11.36%)	$508,900 (+15.53%) Land $120,500 Building $388,400
2024	$5,246.00 (+8.86%)	$440,500 (+13.53%) Land $97,200 Building $343,300
2023	$4,819.00	$388,000 Land $79,400 Building $308,600

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 834 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless · Fiber in parts of the area	1,000 / 75

May also be available: AT&T, T-Mobile.

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