Middlesex County and Lowell City property record for 16 Kearney Dr, Lowell, MA 01852
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,776 sqft · built 1956 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $345,000 (Jan 2017) |
| Tax Bill | $6,594 (2026) |
| Deeds & Mortgages | Nov 2021 Line of Credit Nov 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M11840 |
| Primary APN | M11840 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,776 sqft Living Area |
| Gross Area | 3,224 sqft |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 636 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | M11840 |
|---|---|
| Street Address | 16 KEARNEY DR |
| City | LOWELL |
| State | MA |
| Zip | 01852-4331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 3340 |
| Legal Lot Number | 16 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 312502 |
16 Kearney Dr is owner-occupied and held in a trust since January 2025.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 16 KEARNEY DR, LOWELL, MA 01852-4331 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 9, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 9, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 9, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2017 · Amount on File |
| Deed Sale | Jan 9, 2017 · Amount on File |
| Prior Sale | Oct 18, 2005 · Amount on File |
| Deed Book / Page | 30824 / 32 |
| Last Transfer Date | Jan 22, 2025 |
| Transfer Doc | 0039051-27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 KEARNEY DR, LOWELL, MA 01852-4331 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 036485-220 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 36485/220 |
| Instrument | 65356 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 KEARNEY DR, LOWELL, MA 01852-4331 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36485-220 |
|---|---|
| Date | Nov 9, 2021 |
| Book Page | 36485/220 |
| Instrument | 65356 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LOWELL MA |
| Recording Date | Jan 9, 2017 |
| Property Address | 16 KEARNEY DR, LOWELL, MA 01852-4331 |
| Document Number | 30824-32 |
| Book / Page | 030824 / 000032 |
| Instrument Date | Jan 9, 2017 |
| Instrument | 980 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,573.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 57 CRESCENT ST SWAMPSCOTT MA 019071067, SWAMPSCOTT, MA 01907-1067 |
| Document Number | 30824-34, |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 030824/000034 |
| Instrument | 981 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2047 |
The 2026 property tax bill for 16 Kearney Dr was $6,594, up 4.2% from the year before.
Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Lowell City |
| Unified School District | Lowell School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,594.00 (+4.17%) | $581,000 (+5.37%) Land $261,900 Building $319,100 | $575,734 (-3.33%) |
| 2025 | $6,330.00 (+6.76%) | $551,400 (+10.77%) Land $244,800 Building $306,600 | $595,555 (+7.71%) |
| 2024 | $5,929.00 (+3.02%) | $497,800 (+7.42%) Land $220,300 Building $277,500 | $552,900 |
| 2023 | $5,755.00 | $463,400 Land $191,500 Building $271,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Kearney Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 | 1 in force |
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | Jan 1979 · 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.
The area around 16 Kearney Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 168 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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