12 Silver St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 12 Silver St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,198 sqft · built 1930
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Apr 2008)
Tax Bill	$6,198 (2026)
Deeds & Mortgages	Sep 2021 Refinance Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T03550`

Property Details

APN / Parcel Number

Primary APN	`T03550`
Alternative APNs	`LOWE M:74 B:5370 L:12` `M:000074 T:T03550`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,198 sqft Living Area
Gross Area	3,105 sqft
1st Floor Area	888 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	T03550
Street Address	12 SILVER ST
City	LOWELL
State	MA
Zip	01851-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5370
Legal Lot Number	12
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	311600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Middlesex County and Lowell City records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12 SILVER ST, LOWELL, MA 01851-2907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC
Jul 15, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2008 · Amount on Record
Deed Sale	Apr 25, 2008 · Amount on Record
Prior Sale	Jul 15, 1999 · Amount on Record
Deed Book / Page	22127 / 51
Last Transfer Date	Jul 10, 2019
Transfer Doc	33147-292
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 SILVER ST, LOWELL, MA 01851-2907
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036295-22
Date	Sep 24, 2021
Book Page	36295/22
Instrument	56023

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 15, 2019
Property Address	12 SILVER ST, LOWELL, MA 01851-2907
Document Number	33147-292
Book / Page	33147 / 292
Instrument Date	Jul 10, 2019
Instrument	28230
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 SILVER ST, LOWELL, MA 01851-2907

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	Assessed Market Value
2026	$6,198.00 (+6.42%)	$546,100 (+7.65%) Land $186,500 Building $359,600	$592,898 (+6.59%)
2025	$5,824.00 (+5.56%)	$507,300 (+9.52%) Land $174,300 Building $333,000	$556,225 (+12.08%)
2024	$5,517.00 (+6.12%)	$463,200 (+10.65%) Land $149,400 Building $313,800	$496,280
2023	$5,199.00	$418,600 Land $129,900 Building $288,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1979–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2011 · rainfall accumulation

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.

Wildfire

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.

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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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