40 Rivercliff Rd, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 40 Rivercliff Rd, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,335 sqft · built 1955
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Company Names on Record
Last Sale	$575,000 (Jan 2021)
Tax Bill	$7,646 (2026)
Deeds & Mortgages	Sep 2021 Transfer Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R08460`

Property Details

APN / Parcel Number

Primary APN	`R08460`
Alternative APNs	`LOWE M:232 B:4970 L:40` `M:000232 T:R08460`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,335 sqft Living Area
Gross Area	4,030 sqft
1st Floor Area	1,336 sqft
Basement Area	949 sqft
Unfinished Basement	264 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R08460
Street Address	40 RIVERCLIFF RD
City	LOWELL
State	MA
Zip	01852-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4970
Legal Lot Number	40
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	3
Census Block	3000
Census Tract	312501

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 Company Names on Record
Mailing Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 26, 2017	Deed of Trust, Mortgage ENTERPRISE BANK & TRUST CO
Jan 22, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2021 · Amount on Record
Deed Sale	Jan 22, 2021 · Amount on Record
Prior Sale	Aug 8, 2013 · Amount on Record
Deed Book / Page	35228 / 242
Last Transfer Date	Sep 13, 2021
Transfer Doc	36303-123
Record Updated	Oct 29, 2026

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Sep 27, 2021
Property Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433
Document Number	36303-123
Book / Page	36303 / 123
Instrument Date	Sep 13, 2021
Instrument	56381
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31236-26
Date	Jun 26, 2017
Book Page	31236/26
Instrument	26906

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Jan 22, 2021
Property Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433
Document Number	35228-242
Book / Page	35228 / 242
Instrument Date	Dec 23, 2020
Instrument	4216
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
Relationship	Tenants by the Entirety
Address	40 RIVERCLIFF RD, LOWELL, MA 01852-1433

Mortgage

Document Number	4218
Date	Jan 22, 2021
Instrument	4218

Lender

Name	BANK OF AMERICA NA
Type	Bank

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	$7,646.00 (+4%)	$673,700 (+5.2%) Land $273,000 Building $400,700	$677,817 (-7.78%)
2025	$7,352.00 (+5.09%)	$640,400 (+9.02%) Land $255,200 Building $385,200	$735,015 (+1.78%)
2024	$6,996.00 (+2.55%)	$587,400 (+6.94%) Land $238,500 Building $348,900	$722,190
2023	$6,822.00	$549,300 Land $207,300 Building $342,000

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 Claims	2 (1982–1983)
Most Recent Claim	May 1983 · tidal / storm surge

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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