65 12th St, Lowell, MA 01850 Property Records

Middlesex County and Lowell City property record for 65 12th St, Lowell, MA 01850

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,165 sqft · built 1963
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$408,000 (Dec 2022)
Tax Bill	$5,029 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`K00540`

Property Details

APN / Parcel Number

Primary APN	`K00540`
Alternative APNs	`LOWE M:195 B:5795 L:65` `M:000195 T:K00540`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,165 sqft Living Area
Gross Area	2,372 sqft
1st Floor Area	1,048 sqft
Basement Area	712 sqft
Unfinished Basement	378 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	K00540
Street Address	65 12TH ST
City	LOWELL
State	MA
Zip	01850-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TTF
Legal Block	5795
Legal Lot Number	65
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	5
Census Block	5010
Census Tract	310200

Owner

65 12th St is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	65 12TH ST, LOWELL, MA 01850-1601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 4, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 9, 2022	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TRIANGLE CREDIT UNION
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage TRIANGLE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on File
Deed Sale	Dec 9, 2022 · Amount on File
Prior Sale	Oct 16, 2000 · Amount on File
Deed Document Number	202249972
Deed Book / Page	37562 / 282
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	65 12TH ST, LOWELL, MA 01850-1601
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039839-78
Date	Feb 4, 2026
Book Page	39839/78
Instrument	3270

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LOWELL MA
Recording Date	Dec 9, 2022
Property Address	65 12TH ST, LOWELL, MA 01850-1601
Document Number	037562-282
Book / Page	37562 / 282
Instrument Date	Dec 9, 2022
Instrument	49972
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Amount	Amount on Record
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	65 12TH ST, LOWELL, MA 01850-1601

Mortgage

Document Number	0000049973
Date	Dec 9, 2022
Instrument	49973

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	65 12TH ST, LOWELL, MA 01850-1601
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035935-89
Date	Jun 29, 2021
Book Page	35935/89
Instrument	38141

Lender

Name	TRIANGLE CREDIT UNION

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	65 12TH ST, LOWELL, MA 01850-1601
Document Number	32997-31
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 12TH ST LOWELL MA 018501601, LOWELL, MA 01850-1601

Mortgage

Document Number	32997-31
Date	May 23, 2019
Book Page	032997/000031
Instrument	520

Lender

Name	TRIANGLE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 22, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 65 12th St was $5,029, up 2% 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	$5,029.00 (+1.99%)	$443,100 (+3.17%) Land $151,500 Building $291,600	$464,189 (-1.43%)
2025	$4,931.00 (+6.29%)	$429,500 (+10.27%) Land $141,600 Building $287,900	$470,915 (-0.38%)
2024	$4,639.00 (+4.48%)	$389,500 (+8.95%) Land $132,400 Building $257,100	$472,720
2023	$4,440.00	$357,500 Land $115,100 Building $242,400

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

Flood

FEMA maps place 65 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 65 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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