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46 Rivercliff Rd, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 46 Rivercliff Rd, Lowell, MA 01852

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,876 sqft · built 1967
Lot Size0.28 acres (12,197 sqft)
Owner2 Trust Names on File
Last Sale$675,000 (Oct 2024)
Tax Bill$7,166 (2026)
Deeds & MortgagesAug 2026 Line of Credit
Flood ZoneZone X (minimal risk)
APNT05600

Property Details

APN / Parcel Number

Primary APNT05600
Alternative APNs
  • LOWE M:232 B:4970 L:46
  • M:000232 T:T05600

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms9 Rooms
Stories1 Story
Building Area1,876 sqft Living Area
Gross Area2,874 sqft
1st Floor Area1,346 sqft
Basement Area1,264 sqft
Unfinished Basement380 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area12,197 sqft (0.28 acres)
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account NumberT05600
Street Address46 RIVERCLIFF RD
CityLOWELL
StateMA
Zip01852-1433
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSSF
Legal Block4970
Legal Lot Number46
JurisdictionLOWELL MA
Township / Civil DivisionLOWELL
Census Block Group3
Census Block3000
Census Tract312501

Owner

46 Rivercliff Rd is owner-occupied and held in a trust since November 2024.

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

Owner of Record2 Trust Names on File
Mailing Address46 RIVERCLIFF RD, LOWELL, MA 01852-1433
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 31, 2024 · Amount on File
Deed SaleOct 31, 2024 · Amount on File
Prior SaleOct 26, 2001 · Amount on File
Deed Document Number202434149
Deed Book / Page38863 / 106
Last Transfer DateNov 12, 2024
Transfer Doc038903-173
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLOWELL MA
Recording DateAug 11, 2026
Property Address46 RIVERCLIFF RD, LOWELL, MA 01852-1433
Document Number0000000301
Book / Page40272 / 266
Instrument DateJul 30, 2026
Instrument2026301
Transaction TypeMortgage
Record UpdatedSep 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000301,
DateAug 11, 2026
Book Page40272/266
Instrument2026301
Lender
NameUNION CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount on Record
Term240 Months
DueSep 1, 2046
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
Max Rate-1%

Tax Assessment & Valuation

The 2026 property tax bill for 46 Rivercliff Rd was $7,166, up 8.1% from the year before.

Source: Middlesex County and Lowell City assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
MunicipalityLowell City
Unified School DistrictLowell School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,166.00 (+8.1%)$631,400 (+9.35%) Land $263,200 Building $368,200$647,264 (+1.36%)
2025$6,629.00 (+0.21%)$577,400 (+3.96%) Land $246,000 Building $331,400$638,590 (+2.34%)
2024$6,615.00 (+0.75%)$555,400 (+5.05%) Land $229,900 Building $325,500$623,960
2023$6,566.00$528,700 Land $199,900 Building $328,800

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

Flood

FEMA maps place 46 Rivercliff Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1982–1983)
Most Recent ClaimMay 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

Wildfire risk around 46 Rivercliff Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemLOWELL REGIONAL WATER UTILITY
serves 120,418 people · EPA ID MA3160000
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
Jul 2017
Monitoring and Reporting1
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

ProviderMax 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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