Middlesex County and Pepperell Town property record for 105 Shirley St, Pepperell, MA 01463
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,075 sqft · built 1975 |
| Lot Size | 1.98 acres (86,536 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,000 (Oct 2016) |
| Tax Bill | $7,627 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0038 B:0035 L:00000 |
| Primary APN | PEPP M:0038 B:0035 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,075 sqft Living Area |
| Gross Area | 3,182 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 557 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 86,536 sqft (1.98 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 105 SHIRLEY ST |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1611 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TNR |
| Legal Block | 35 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 327103 |
105 Shirley St is owned and occupied by two individuals who bought it in October 2016.
Source: Middlesex County and Pepperell Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 SHIRLEY ST, PEPPERELL, MA 01463-1611 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Sep 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2016 · Amount on File |
| Deed Sale | Oct 25, 2016 · Amount on File |
| Prior Sale | Sep 29, 1995 · Amount on File |
| Deed Book / Page | 68274 / 152 |
| Transfer Doc | 068274-152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 105 SHIRLEY ST, PEPPERELL, MA 01463-1611 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078654-437 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 78654/437 |
| Instrument | 200576 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 105 SHIRLEY ST, PEPPERELL, MA 01463-1611 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78654-437 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | 78654/437 |
| Instrument | 200576 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
The 2026 property tax bill for 105 Shirley St was $7,627, down 2.2% from the year before.
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,627.00 (-2.21%) | $553,500 (+3.83%) Land $196,900 Building $356,600 | $541,500 (-) |
| 2025 | $7,799.00 (+5.11%) | $533,100 (+3.09%) Land $184,800 Building $348,300 | $541,500 (+2.59%) |
| 2024 | $7,420.00 (+6.52%) | $517,100 (+12.39%) Land $168,800 Building $348,300 | $527,820 |
| 2023 | $6,966.00 | $460,100 Land $152,800 Building $307,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Shirley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 8 (1985–2010) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 105 Shirley St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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