12 W 5th Ave, Lowell, MA 01854 Property Records

Middlesex County and Lowell City property record for 12 W 5th Ave, Lowell, MA 01854

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,176 sqft · built 2011
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Trust Names on File
Last Sale	$136,000 (Aug 1998)
Tax Bill	$5,580 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S11205`

Property Details

APN / Parcel Number

Primary APN	`S11205`
Alternative APNs	`LOWE M:82 B:5990 L:12` `M:000082 T:S11205`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,176 sqft Living Area
Gross Area	3,560 sqft
1st Floor Area	1,032 sqft
Basement Area	864 sqft
Unfinished Basement	324 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	S11205
Street Address	12 W 5TH AVE
City	LOWELL
State	MA
Zip	01854-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TSF
Legal Block	5990
Legal Lot Number	12
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	4
Census Block	4008
Census Tract	310602

Owner

12 W 5th Ave is owner-occupied and held in a trust since August 1998.

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

Owner of Record	2 Trust Names on File
Mailing Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Deed of Trust, Mortgage DIGITAL FCU
Aug 23, 2017	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
Dec 26, 2018	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
May 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jul 13, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 1998 · Amount on File
Deed Sale	Aug 28, 1998 · Amount on File
Prior Sale	May 24, 1988 · Amount on File
Transfer Doc	31284-196
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32002-85
Date	Apr 17, 2018
Book Page	32002/85
Instrument	14770

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2033

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31404-1
Date	Aug 23, 2017
Book Page	31404/1
Instrument	37091

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	480 Months
Due	Aug 1, 2057

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32668-65
Date	Dec 26, 2018
Book Page	32668/65
Instrument	56171

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	469 Months
Due	Jan 1, 2058

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34158-137
Date	May 26, 2020
Book Page	34158/137
Instrument	22011

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jul 13, 2017
Property Address	12 W 5TH AVE, LOWELL, MA 01854-2610
Document Number	31284-196
Book / Page	031284 / 000196
Instrument Date	Feb 2, 2017
Instrument	29685
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12 W 5TH AVE LOWELL MA 018542610, LOWELL, MA 01854-2610

Tax Assessment & Valuation

The 2026 property tax bill for 12 W 5th Ave was $5,580, up 3.7% from the year before.

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	$5,580.00 (+3.68%)	$491,600 (+4.86%) Land $149,200 Building $342,400	$548,301 (+3.94%)
2025	$5,382.00 (+9.93%)	$468,800 (+14.04%) Land $139,400 Building $329,400	$527,535 (+2.74%)
2024	$4,896.00 (+2.28%)	$411,100 (+6.67%) Land $112,500 Building $298,600	$513,475
2023	$4,787.00	$385,400 Land $91,800 Building $293,600

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

Flood

FEMA maps place 12 W 5th 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

Wildfire risk around 12 W 5th Ave is low, with 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 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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