1040 Concord St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 1040 Concord St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,634 sqft · built 1897
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$561,000 (Jun 2021)
Tax Bill	$7,251 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-27-3395`

Property Details

APN / Parcel Number

Primary APN	`82-27-3395`
Alternative APNs	`FRAM M:082 B:27 L:3395 U:000` `M:259.0 B:0125 L:0004.0` `F_682394_2937360` `6644`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	3,083 sqft
1st Floor Area	1,107 sqft
Basement Area	1,074 sqft
Unfinished Basement	1,074 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6644
Street Address	1040 CONCORD ST
City	FRAMINGHAM
State	MA
Zip	01701-4503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	FRAMINGHAM
Legal Block	27
Legal Lot Number	3395
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1010
Census Tract	383600

Owner

1040 Concord St is owned and occupied by two individuals who bought it in June 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1040 CONCORD ST, FRAMINGHAM, MA 01701-4503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	Jul 1, 2002 · Amount on File
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Jun 21, 2021
Property Address	1040 CONCORD ST, FRAMINGHAM, MA 01701-4503
Document Number	0078064-41
Book / Page	78064 / 41
Instrument Date	Jun 21, 2021
Instrument	139970
Transaction Type	Transfer
Record Updated	Jan 17, 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	1040 CONCORD ST, FRAMINGHAM, MA 01701-4503

Mortgage

Document Number	0000139971
Date	Jun 21, 2021
Instrument	139971

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1040 Concord St was $7,251, up 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,251.00 (+1.94%)	$612,900 (+2.89%) Land $273,900 Building $329,200	$648,626 (-7.14%)
2025	$7,113.00 (+2.8%)	$595,700 (+7.28%) Land $260,900 Building $334,800	$698,535 (-1.41%)
2024	$6,919.00 (+4.99%)	$555,300 (+10.31%) Land $233,000 Building $322,300	$708,510
2023	$6,590.00	$503,400 Land $207,900 Building $295,500

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

Flood

FEMA maps place 1040 Concord St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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 Policies	2 in force
Nearby Flood Claims	2 (1999–2007)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2007 · rainfall accumulation

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 1040 Concord St 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 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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20