Middlesex County and Concord Town property record for 109 Oak Rd, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,809 sqft · built 2010 |
| Lot Size | 7.13 acres (310,868 sqft) |
| Owner | Company Name on File |
| Last Sale | $3,670,000 (Jul 2025) |
| Tax Bill | $42,457 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage Jul 2025 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | M:00010F B:03960-00002 |
| Primary APN | M:00010F B:03960-00002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,809 sqft Living Area |
| Gross Area | 12,492 sqft |
| Basement Area | 2,158 sqft |
| Unfinished Basement | 2,158 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 310,868 sqft (7.13 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 4042 |
|---|---|
| Street Address | 109 OAK RD |
| City | CONCORD |
| State | MA |
| Zip | 01742-3304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Subdivision | CONCORD |
| Legal Block | 3960 |
| Legal Lot Number | 2 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 361100 |
109 Oak Rd is owned by a company that bought it in July 2025.
Source: Middlesex County and Concord Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 188 BROOKLINE AVE, 24C, BOSTON, MA 02215-3966 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · ARM ROCKET MORTGAGE |
| Jul 16, 2025 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2025 · Amount on File |
| Deed Sale | Jul 16, 2025 · Amount on File |
| Prior Sale | Dec 11, 2009 · Amount on File |
| Deed Book / Page | 84364 / 122 |
| Prior Transfer Date | Jul 10, 2025 |
| Prior Transfer Doc | 084364-122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 109 OAK RD, CONCORD, MA 01742-3304 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0079855-20 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 79855/20 |
| Instrument | 42392 |
| Name | ROCKET MORTGAGE |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.88% |
| Type Change Date | Mar 1, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Jul 16, 2025 |
| Property Address | 109 OAK RD, CONCORD, MA 01742-3304 |
| Document Number | 084364-122 |
| Book / Page | 84364 / 122 |
| Instrument Date | Jul 10, 2025 |
| Instrument | 82755 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 188 BROOKLINE AVE UNIT 24C, 24C, BOSTON, MA 02215-3966 |
The 2026 property tax bill for 109 Oak Rd was $42,457, down 0.7% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $42,457.00 (-0.7%) | $3,253,400 (+0.9%) Land $1,612,400 Building $1,641,000 | $3,210,201 (-6.92%) |
| 2025 | $42,756.00 (+1.6%) | $3,224,400 (+0.6%) Land $1,644,800 Building $1,579,600 | $3,448,975 |
| 2024 | $42,084.00 (+24.56%) | $3,205,200 (+22.95%) Land $1,644,800 Building $1,560,400 | |
| 2023 | $33,785.00 | $2,606,900 Land $1,369,800 Building $1,237,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Oak Rd 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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 16 (1979–2010) |
| Claims Outside the SFHA | 2 of 16 |
| 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 109 Oak Rd is low, with 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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Concord Light Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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