109 Heaths Bridge Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 109 Heaths Bridge Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,772 sqft · built 1952
Lot Size	1.92 acres (83,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Jul 2017)
Tax Bill	$21,339 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:12F B:3572`

Property Details

APN / Parcel Number

Primary APN	`CONC M:12F B:3572`
Alternative APNs	`M:00012F B:03572-00000` `5101`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,772 sqft Living Area
Gross Area	4,333 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	83,920 sqft (1.92 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5101
Street Address	109 HEATHS BRIDGE RD
City	CONCORD
State	MA
Zip	01742-4948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	3572
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5011
Census Tract	361100

Owner

Source: Middlesex County and Concord Town records, 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	2 Individual Names on Record
Mailing Address	109 HEATHS BRIDGE RD, CONCORD, MA 01742-4948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jun 12, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 24, 2017	Quit Claim Deed, Transfer WASHINGTON TR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2017 · Amount on Record
Deed Sale	Jul 24, 2017 · Amount on Record
Prior Sale	Oct 18, 2016
Transfer Doc	0001765920
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	109 HEATHS BRIDGE RD, CONCORD, MA 01742-4948
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001989880
Date	Dec 1, 2025
Instrument	1989880

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Dec 1, 2032
Index	Other
Margin	3

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	109 HEATHS BRIDGE RD, CONCORD, MA 01742-4948
Document Number	0001845881
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 HEATHS BRIDGE RD CONCORD MA 017424948, CONCORD, MA 01742-4948

Mortgage

Document Number	0001845881
Date	Jul 1, 2020
Instrument	1845881

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jul 24, 2017
Property Address	109 HEATHS BRIDGE RD, CONCORD, MA 01742-4948
Document Number	0000065920
Instrument Date	Jul 24, 2017
Instrument	65920
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,560.00
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	84 WALDEN TER CONCORD MA 017423504, CONCORD, MA 01742-3504

Mortgage

Document Number	65921
Date	Jul 24, 2017
Instrument	65921

Lender

Name	WASHINGTON TR MTG
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 23, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Concord Town
Elementary School District	Concord School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$21,339.00 (+2.45%)	$1,609,300 (+1.44%) Land $1,022,900 Building $586,400	$1,498,340
2024	$20,829.00 (+9.82%)	$1,586,400 (+8.41%) Land $1,022,900 Building $563,500
2023	$18,966.00	$1,463,400 Land $962,000 Building $501,400

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	4 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & Flooding

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	0.01% 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	CONCORD WATER DEPT serves 18,788 people · EPA ID MA3067000
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jul 2022
Treatment and Procedure	None last 10 years
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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Concord Light Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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