78 River Rd, Lowell, MA 01852 Property Records

Middlesex County and Lowell City property record for 78 River Rd, Lowell, MA 01852

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,289 sqft · built 1970
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Apr 2002)
Tax Bill	$5,784 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`K07860`

Property Details

APN / Parcel Number

Primary APN	`K07860`
Alternative APNs	`LOWE M:245 B:4960 L:78` `M:000245 T:K07860`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,289 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	994 sqft
Basement Area	960 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 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	K07860
Street Address	78 RIVER RD
City	LOWELL
State	MA
Zip	01852-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SSF
Legal Block	4960
Legal Lot Number	78
Jurisdiction	LOWELL MA
Township / Civil Division	LOWELL
Census Block Group	1
Census Block	1001
Census Tract	312501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	78 RIVER RD, LOWELL, MA 01852-1519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 1, 2002 · Amount on Record
Deed Sale	Apr 1, 2002 · Amount on Record
Deed Book / Page	182 / 307
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOWELL MA
Property Address	78 RIVER RD, LOWELL, MA 01852-1519
Document Number	0000305516
Instrument Date	Jun 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 RIVER RD LOWELL MA 018521519, LOWELL, MA 01852-1519

Mortgage

Document Number	0000305516
Date	Jun 10, 2020
Instrument	305516

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

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
2025	$5,784.00 (+0.61%)	$503,800 (+4.37%) Land $254,700 Building $249,100	$547,770 (+37.12%)
2024	$5,749.00 (+4.91%)	$482,700 (+9.41%) Land $238,100 Building $244,600	$399,475
2023	$5,480.00	$441,200 Land $207,000 Building $234,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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

Nearby Properties on River Rd

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