10 Hemlock Ln, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 10 Hemlock Ln, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,792 sqft · built 1953
Lot Size	1.24 acres (54,402 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Nov 2016)
Tax Bill	$95 (2025)
Deeds & Mortgages	Aug 2019 Refinance Dec 2020 Refinance + 2 more
Flood Zone	Zone AE (high risk)
APN	`BEDF M:047 P:0024`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:047 P:0024`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
Gross Area	3,194 sqft
1st Floor Area	1,024 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,402 sqft (1.24 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 HEMLOCK LN
City	BEDFORD
State	MA
Zip	01730-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3021
Census Tract	359100

Owner

10 Hemlock Ln is owned and occupied by two individuals who bought it in November 2016.

Source: Middlesex County and Bedford Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 HEMLOCK LN, BEDFORD, MA 01730-1327
Occupancy	Owner Occupied
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
Aug 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 15, 2017	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2016 · Amount on File
Deed Sale	Nov 21, 2016 · Amount on File
Prior Sale	Sep 22, 2009 · Amount on File
Deed Book / Page	68449 / 247
Transfer Doc	068449-247
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	10 HEMLOCK LN, BEDFORD, MA 01730-1327
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73208-338
Date	Aug 30, 2019
Book Page	73208/338
Instrument	131454

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	10 HEMLOCK LN, BEDFORD, MA 01730-1327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76543-454
Date	Dec 28, 2020
Book Page	76543/454
Instrument	249113

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	10 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	75181-349
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 HEMLOCK LN BEDFORD MA 017301327, BEDFORD, MA 01730-1327

Mortgage

Document Number	75181-349
Date	Jul 22, 2020
Book Page	075181/000349
Instrument	119637

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Aug 15, 2017
Property Address	10 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	31378-204
Book / Page	031378 / 000204
Instrument Date	Aug 15, 2017
Instrument	35667
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,328.34
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 HEMLOCK LN NORTH BILLERICA MA 01862, NORTH BILLERICA, MA 01862

Mortgage

Document Number	31378-207
Date	Aug 15, 2017
Book Page	031378/000207
Instrument	35668

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 10 Hemlock Ln was $95, down 98.9% from the year before.

Source: Middlesex County and Bedford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Bedford Town
Unified School District	Bedford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$95.00 (-98.94%)	$789,300 (+5%) Land $528,800 Building $260,500	$813,485
2024	$8,930.00 (+4.7%)	$751,700 (+9.99%) Land $503,600 Building $248,100
2023	$8,529.00	$683,400 Land $474,000 Building $209,400

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

Flood

FEMA maps place 10 Hemlock Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	11 (1979–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Jan 2022 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 3 claims

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 10 Hemlock Ln 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 Risk	Low lower than 94% of the US · lower than 88% 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	BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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