20 Riverside Ave, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 20 Riverside Ave, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,850 sqft · built 1930
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,000 (Feb 2019)
Tax Bill	$4,734 (2026)
Deeds & Mortgages	Aug 2020 Refinance Feb 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`W03166`

Property Details

APN / Parcel Number

Primary APN	`W03166`
Alternative APNs	`LOWE M:156 B:4975 L:20` `M:000156 T:W03166`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,850 sqft Living Area
Gross Area	2,682 sqft
1st Floor Area	738 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,742 sqft (0.04 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	W03166
Street Address	20 RIVERSIDE AVE
City	LOWELL
State	MA
Zip	01850-1924
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	USF
Legal Block	4975
Legal Lot Number	20
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	2
Census Block	2003
Census Tract	310400

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	2 Individual Names on Record
Mailing Address	86 PARK AVE, READING, MA 01867-3548
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON TRUST MORTGAGE CO
Feb 28, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2019 · Amount on Record
Deed Sale	Feb 28, 2019 · Amount on Record
Prior Sale	Apr 9, 2013 · Amount on Record
Deed Document Number	20197620
Prior Transfer Date	Feb 27, 2019
Prior Transfer Doc	32799-172
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	20 RIVERSIDE AVE, LOWELL, MA 01850-1924
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34483-55
Date	Aug 12, 2020
Book Page	34483/55
Instrument	37556

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Feb 28, 2019
Property Address	20 RIVERSIDE AVE, LOWELL, MA 01850-1924
Document Number	32799-172
Book / Page	32799 / 172
Instrument Date	Feb 27, 2019
Instrument	7620
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIVERSIDE AVE, LOWELL, MA 01850-1924

Mortgage

Document Number	7621
Date	Feb 28, 2019
Instrument	7621

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,734.00 (+4.53%)	$417,100 (+5.73%) Land $104,100 Building $313,000	$565,871
2025	$4,529.00 (+10.65%)	$394,500 (+14.78%) Land $97,300 Building $297,200
2024	$4,093.00 (+7.46%)	$343,700 (+12.06%) Land $80,800 Building $262,900
2023	$3,809.00	$306,700 Land $70,300 Building $236,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (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.

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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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