21 Rivercliff Rd, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 21 Rivercliff Rd, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,665 sqft · built 1942
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Jan 2017)
Tax Bill	$8,926 (2026)
Deeds & Mortgages	Oct 2021 Refinance Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H04600`

Property Details

APN / Parcel Number

Primary APN	`H04600`
Alternative APNs	`LOWE M:248 B:4970 L:21` `M:000248 T:H04600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,665 sqft Living Area
Gross Area	5,160 sqft
1st Floor Area	1,978 sqft
Basement Area	713 sqft
Unfinished Basement	713 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	H04600
Street Address	21 RIVERCLIFF RD
City	LOWELL
State	MA
Zip	01852-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Subdivision	HENRY E WORCESTER ESTATE
Legal Block	4970
Legal Lot Number	21
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	312501

Historic Designation

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

Historic District	Within the Andover Street Historic District listed 2000 · 139 contributing resources · NRIS 00000568

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

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	21 RIVERCLIFF RD, LOWELL, MA 01852-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Jan 27, 2017	Quit Claim Deed, Transfer · Conventional with PMI MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2017 · Amount on Record
Deed Sale	Jan 27, 2017 · Amount on Record
Prior Sale	Aug 12, 1981 · Amount on Record
Deed Book / Page	30871 / 92
Transfer Doc	0030871-92
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	21 RIVERCLIFF RD, LOWELL, MA 01852-1432
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036368-201
Date	Oct 12, 2021
Book Page	36368/201
Instrument	59653

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	21 RIVERCLIFF RD, LOWELL, MA 01852-1432
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36368-201
Date	Oct 12, 2021
Book Page	36368/201
Instrument	59653

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 27, 2017
Property Address	21 RIVERCLIFF RD, LOWELL, MA 01852-1432
Document Number	30871-92
Book / Page	030871 / 000092
Instrument Date	Jan 27, 2017
Instrument	4019
Transaction Type	Transfer
Record Updated	Feb 15, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,416.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	21 RIVERCLIFF RD LOWELL MA 018521432, LOWELL, MA 01852-1432

Mortgage

Document Number	30871-95
Date	Jan 27, 2017
Book Page	030871/000095
Instrument	4020

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2047

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	$8,926.00 (+7.74%)	$786,400 (+8.96%) Land $271,600 Building $514,800	$757,757 (-10.48%)
2025	$8,285.00 (-1.35%)	$721,700 (+2.35%) Land $253,900 Building $467,800	$846,450 (+4.38%)
2024	$8,398.00 (+18.17%)	$705,100 (+23.23%) Land $237,300 Building $467,800	$810,920
2023	$7,107.00	$572,200 Land $206,300 Building $365,900

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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 474 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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