12 White St, Lowell, MA 01854 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,517 sqft · built 1930
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on File
Last Sale	$269,300 (Feb 2023)
Tax Bill	$4,957 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B15005`

Property Details

APN / Parcel Number

Primary APN	`B15005`
Alternative APNs	`LOWE M:98 B:6330 L:12` `M:000098 T:B15005`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,517 sqft Living Area
Gross Area	2,801 sqft
1st Floor Area	992 sqft
Basement Area	992 sqft
Unfinished Basement	992 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	3,485 sqft (0.08 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	B15005
Street Address	12 WHITE ST
City	LOWELL
State	MA
Zip	01854-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TMF
Legal Block	6330
Legal Lot Number	12
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2009
Census Tract	310500

Owner

12 White St is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 WHITE ST, LOWELL, MA 01854-2831
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Feb 28, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 6, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Nov 8, 1968 · Amount on File
Deed Book / Page	37700 / 54
Prior Transfer Date	Feb 27, 2023
Prior Transfer Doc	0037697-16
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 28, 2023
Property Address	12 WHITE ST, LOWELL, MA 01854-2831
Document Number	0037700-54
Book / Page	37700 / 54
Instrument Date	Feb 28, 2023
Instrument	5360
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12 WHITE ST, LOWELL, MA 01854-2831

Mortgage

Document Number	0000005361
Date	Feb 28, 2023
Instrument	5361

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 28, 2023
Property Address	12 WHITE ST, LOWELL, MA 01854-2831
Document Number	0037697-16
Book / Page	37697 / 16
Instrument Date	Feb 27, 2023
Instrument	5210
Transaction Type	Transfer
Record Updated	Mar 17, 2023

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	6 LAURIE LN, LOWELL, MA 01854-1214

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 6, 2019
Property Address	12 WHITE ST, LOWELL, MA 01854-2831
Document Number	32809-2
Book / Page	032809 / 000002
Instrument Date	Mar 5, 2019
Instrument	8174
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 LAURIE LN LOWELL MA 018541214, LOWELL, MA 01854-1214

Tax Assessment & Valuation

The 2026 property tax bill for 12 White St was $4,957, up 4.7% 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	$4,957.00 (+4.67%)	$436,700 (+5.87%) Land $159,300 Building $277,400	$429,995 (+22.76%)
2025	$4,736.00 (+5.2%)	$412,500 (+9.13%) Land $155,400 Building $257,100	$350,265 (+19.59%)
2024	$4,502.00 (+7.91%)	$378,000 (+12.53%) Land $135,500 Building $242,500	$292,885
2023	$4,172.00	$335,900 Land $112,600 Building $223,300

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

Flood

FEMA maps place 12 White 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 Claims	1 (1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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

Wildfire risk around 12 White St 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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