Middlesex County and Lowell City property record for 16 Old Ferry Rd, Lowell, MA 01854
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,632 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $229,900 (Oct 2012) |
| Tax Bill | $6,370 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Jan 2023 Line of Credit + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | O03750 |
| Primary APN | O03750 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 2,738 sqft |
| 1st Floor Area | 816 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | O03750 |
|---|---|
| Street Address | 16 OLD FERRY RD |
| City | LOWELL |
| State | MA |
| Zip | 01854-1908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SSF |
| Legal Block | 4400 |
| Legal Lot Number | 16 |
| Jurisdiction | LOWELL MA |
| Township / Civil Division | LOWELL |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 310601 |
16 Old Ferry Rd is owned and occupied by an individual who bought it in October 2012.
Source: Middlesex County and Lowell City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| 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.
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Jan 31, 2023 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Jan 25, 2017 | Deed of Trust, Mortgage DIGITAL FCU |
| Jun 18, 2018 | Deed of Trust, Mortgage DIGITAL FCU |
| Apr 8, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2012 · Amount on File |
| Deed Sale | Oct 26, 2012 · Amount on File |
| Prior Sale | Jul 2, 2012 · Amount on File |
| Deed Book / Page | 26568 / 180 |
| Transfer Doc | 026568-180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 035305-150 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 35305/150 |
| Instrument | 7677 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 037654-265 |
|---|---|
| Date | Jan 31, 2023 |
| Book Page | 37654/265 |
| Instrument | 2704 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0030862-57 |
|---|---|
| Date | Jan 25, 2017 |
| Book Page | 30862/57 |
| Instrument | 3406 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jan 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 032162-203 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 32162/203 |
| Instrument | 24910 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LOWELL MA |
| Property Address | 16 OLD FERRY RD, LOWELL, MA 01854-1908 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 033998-184 |
|---|---|
| Date | Apr 8, 2020 |
| Book Page | 33998/184 |
| Instrument | 14872 |
| Name | JEANNE D ARC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2040 |
The 2026 property tax bill for 16 Old Ferry Rd was $6,370, up 7.8% 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 | $6,370.00 (+7.77%) | $561,200 (+8.99%) Land $216,200 Building $345,000 | $571,670 (+11.48%) |
| 2025 | $5,911.00 (-3.95%) | $514,900 (-0.35%) Land $202,000 Building $312,900 | $512,810 (+8.9%) |
| 2024 | $6,154.00 (+6.12%) | $516,700 (+10.67%) Land $188,800 Building $327,900 | $470,915 |
| 2023 | $5,799.00 | $466,900 Land $164,200 Building $302,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Old Ferry Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 28 policies |
| Nearby Flood Policies | 28 in force |
| Nearby Flood Claims | 54 (1978–2026) |
| Claims Outside the SFHA | 3 of 54 |
| Most Recent Claim | Apr 2026 · other causes |
| Claims by Event |
|
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 risk around 16 Old Ferry Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 295 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 |
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