12 Ware St, Lowell, MA 01851 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,813 sqft · built 1920
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$92,500 (May 1999)
Tax Bill	$4,535 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M00350`

Property Details

APN / Parcel Number

Primary APN	`M00350`
Alternative APNs	`LOWE M:141 B:6125 L:12` `M:000141 T:M00350`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,813 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft
Unfinished Basement	1,014 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	M00350
Street Address	12 WARE ST
City	LOWELL
State	MA
Zip	01851-2632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Subdivision	BANCROFT COURT
Legal Block	6125
Legal Lot Number	12
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1003
Census Tract	311800

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	Individual Name on Record
Mailing Address	12 WARE ST, LOWELL, MA 01851-2632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit GEORGIA'S OWN CREDIT UNION
Nov 14, 2019	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 1999 · Amount on Record
Deed Sale	May 28, 1999 · Amount on Record
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 WARE ST, LOWELL, MA 01851-2632
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037714-19
Date	Mar 8, 2023
Book Page	37714/19
Instrument	6374

Lender

Name	GEORGIA'S OWN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	12 WARE ST, LOWELL, MA 01851-2632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33556-193
Date	Nov 14, 2019
Book Page	33556/193
Instrument	50529

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$4,535.00 (+8.18%)	$399,600 (+9.42%) Land $113,700 Building $285,900	$427,488 (-12.56%)
2025	$4,192.00 (+2.49%)	$365,200 (+6.35%) Land $100,300 Building $264,900	$488,870 (+38.22%)
2024	$4,090.00 (+5.74%)	$343,400 (+10.28%) Land $93,700 Building $249,700	$353,685
2023	$3,868.00	$311,400 Land $81,500 Building $229,900

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

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	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 571 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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