108 Lawrence St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 108 Lawrence St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,258 sqft · built 1996
Lot Size	1.85 acres (80,873 sqft)
Owner	2 Individual Names on File
Last Sale	$439,900 (Aug 2005)
Tax Bill	$8,065 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0002 B:0004 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0002 B:0004 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,258 sqft Living Area
Gross Area	4,738 sqft
1st Floor Area	984 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	80,873 sqft (1.85 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	108 LAWRENCE ST
City	PEPPERELL
State	MA
Zip	01463-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	4
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2002
Census Tract	327101

Owner

108 Lawrence St is owned and occupied by two individuals who bought it in August 2005.

Source: Middlesex County and Pepperell Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 LAWRENCE ST, PEPPERELL, MA 01463-1041
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
Feb 28, 2022	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2005 · Amount on File
Deed Sale	Aug 31, 2005 · Amount on File
Prior Sale	Feb 11, 2002 · Amount on File
Deed Document Number	2005193674
Deed Book / Page	46005 / 383
Transfer Doc	0000061254
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	108 LAWRENCE ST, PEPPERELL, MA 01463-1041
Transaction Type	Mortgage
Record Updated	Mar 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079745-103
Date	Feb 28, 2022
Book Page	79745/103
Instrument	30587

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	108 LAWRENCE ST, PEPPERELL, MA 01463-1041
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74025-554
Date	Jan 23, 2020
Book Page	74025/554
Instrument	10513

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 108 Lawrence St was $8,065, down 1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,065.00 (-0.96%)	$585,300 (+5.16%) Land $168,100 Building $417,200	$606,575 (-)
2025	$8,143.00 (+10.09%)	$556,600 (+7.97%) Land $168,100 Building $388,500	$606,575 (-1.44%)
2024	$7,397.00 (+4.11%)	$515,500 (+9.84%) Land $152,100 Building $363,400	$615,410
2023	$7,105.00	$469,300 Land $128,100 Building $341,200

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

Flood

FEMA maps place 108 Lawrence St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 108 Lawrence 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.

Drinking Water

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

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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