16 Silver St, Lowell, MA 01851 Property Records

Middlesex County and Lowell City property record for 16 Silver St, Lowell, MA 01851

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,394 sqft · built 1930
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2018)
Tax Bill	$4,968 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Mar 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`L05330`

Property Details

APN / Parcel Number

Primary APN	`L05330`
Alternative APNs	`LOWE M:74 B:5370 L:16` `M:000074 T:L05330`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,394 sqft Living Area
Gross Area	2,924 sqft
1st Floor Area	722 sqft
Basement Area	672 sqft
Unfinished Basement	672 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	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	L05330
Street Address	16 SILVER ST
City	LOWELL
State	MA
Zip	01851-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	5370
Legal Lot Number	16
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	311600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Tyler Park Historic District listed 1989 · 373 contributing resources · NRIS 89001056

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

16 Silver St is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	16 SILVER ST, LOWELL, MA 01851-2907
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
Apr 28, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 30, 2018	Quit Claim Deed, Transfer ENVISION BANK
Mar 1, 2018	Quit Claim Deed, Transfer · Conventional with PMI FINANCE AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2018 · Amount on File
Deed Sale	Apr 30, 2018 · Amount on File
Prior Sale	Mar 1, 2018 · Amount on File
Deed Document Number	201817333
Deed Book / Page	32040 / 230
Transfer Doc	032040-230
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Recording Date	Apr 28, 2026
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Document Number	040016-262
Book / Page	40016 / 262
Instrument Date	Apr 23, 2026
Instrument	202612626
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SILVER ST, LOWELL, MA 01851-2907

Mortgage

Document Number	0000012626,
Date	Apr 28, 2026
Book Page	40016/262
Instrument	202612626

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2036

Interest

Rate	6.38%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035413-134
Date	Mar 2, 2021
Book Page	35413/134
Instrument	12681

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036371-200
Date	Oct 12, 2021
Book Page	36371/200
Instrument	59786

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36371-200
Date	Oct 12, 2021
Book Page	36371/200
Instrument	59786

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Apr 30, 2018
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Document Number	32040-230
Book / Page	32040 / 230
Instrument	17333
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.04
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SILVER ST, LOWELL, MA 01851-2907

Mortgage

Document Number	320400232
Date	Apr 30, 2018
Instrument	32040/0232

Lender

Name	ENVISION BANK

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 30, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Mar 1, 2018
Property Address	16 SILVER ST, LOWELL, MA 01851-2907
Document Number	31899-214
Book / Page	031899 / 000214
Instrument Date	Feb 3, 2018
Instrument	8354
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,101.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16 SILVER ST #13 LOWELL MA 018512907, 13, LOWELL, MA 01851-2907

Mortgage

Document Number	31899-219
Date	Mar 1, 2018
Book Page	031899/000219
Instrument	8355

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Silver St was $4,968, up 6.3% 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	$4,968.00 (+6.27%)	$437,700 (+7.49%) Land $209,000 Building $228,700	$453,047 (+9.53%)
2025	$4,675.00 (+6.95%)	$407,200 (+10.95%) Land $195,300 Building $211,900	$413,630 (+16.42%)
2024	$4,371.00 (+6.87%)	$367,000 (+11.45%) Land $167,300 Building $199,700	$355,300
2023	$4,090.00	$329,300 Land $145,500 Building $183,800

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

Flood

FEMA maps place 16 Silver St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	5 in force
Nearby Flood Claims	3 (1979–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 2011 · 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.

Wildfire

The area around 16 Silver St 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.

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 218 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

May also be available: T-Mobile.

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