22 12th St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 22 12th St, Lowell, MA 01850

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 3,196 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Jun 2015)
Tax Bill	$9,066 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`V00995`

Property Details

APN / Parcel Number

Primary APN	`V00995`
Alternative APNs	`LOWE M:195 B:5795 L:22` `M:000195 T:V00995`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,196 sqft Living Area
Gross Area	5,364 sqft
1st Floor Area	1,265 sqft
Basement Area	1,265 sqft
Unfinished Basement	1,265 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Slate
Lot Area	7,405 sqft (0.17 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	V00995
Street Address	22 12TH ST
City	LOWELL
State	MA
Zip	01850-1606
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TTF
Legal Block	5795
Legal Lot Number	22
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5009
Census Tract	310200

Owner

22 12th St, a duplex, is owned by an individual who bought it in June 2015.

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

Owner of Record	Individual Name on File
Mailing Address	3 PARK AVE, METHUEN, MA 01844-3313
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
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Jul 17, 2018	Deed of Trust, Mortgage HANSCOM FCU
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2015 · Amount on File
Deed Sale	Jun 26, 2015 · Amount on File
Prior Sale	Jul 21, 2006 · Amount on File
Deed Book / Page	29187 / 160
Transfer Doc	029187-160
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 12TH ST, LOWELL, MA 01850-1606
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035252-225
Date	Jan 27, 2021
Book Page	35252/225
Instrument	5219

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

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

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 12TH ST, LOWELL, MA 01850-1606
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037264-38
Date	Jul 29, 2022
Book Page	37264/38
Instrument	32281

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 12TH ST, LOWELL, MA 01850-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32246-27
Date	Jul 17, 2018
Book Page	32246/27
Instrument	30153

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	22 12TH ST, LOWELL, MA 01850-1606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34895-140
Date	Nov 10, 2020
Book Page	34895/140
Instrument	57522

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 22 12th St was $9,066, up 4.5% 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	$9,066.00 (+4.51%)	$798,800 (+5.7%) Land $164,300 Building $634,500	$660,436
2025	$8,675.00 (+7.79%)	$755,700 (+11.84%) Land $153,500 Building $602,200
2024	$8,048.00 (+7.44%)	$675,700 (+12.04%) Land $143,500 Building $532,200
2023	$7,491.00	$603,100 Land $124,800 Building $478,300

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

Flood

FEMA maps place 22 12th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 22 12th 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 1,079 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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