110 Central St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 110 Central St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,387 sqft · built 1903
Lot Size	0.32 acres (13,920 sqft)
Owner	2 Individual Names on File
Last Sale	$1,380,000 (Nov 2020)
Tax Bill	$228 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10D B:2591`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10D B:2591`
Alternative APNs	`M:00010D B:02591-00000` `3757`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,387 sqft Living Area
Gross Area	7,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,920 sqft (0.32 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	3757
Street Address	110 CENTRAL ST
City	CONCORD
State	MA
Zip	01742-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Subdivision	CONCORD JUNCTION
Legal Block	2591
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2006
Census Tract	361200

Owner

110 Central St is owned and occupied by two individuals who bought it in November 2020.

Source: Middlesex County and Concord Town records, as of July 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	110 CENTRAL ST, CONCORD, MA 01742-2911
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
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Nov 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2020 · Amount on File
Deed Sale	Nov 5, 2020 · Amount on File
Prior Sale	Nov 15, 2013 · Amount on File
Deed Document Number	2020206158
Deed Book / Page	76092 / 555
Prior Transfer Date	Oct 27, 2020
Prior Transfer Doc	76092-555
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Recording Date	Jul 10, 2026
Property Address	110 CENTRAL ST, CONCORD, MA 01742-2911
Document Number	0000084718
Book / Page	85857 / 263
Instrument Date	Jun 27, 2026
Instrument	202684718
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CENTRAL ST, CONCORD, MA 01742-2911

Mortgage

Document Number	0000084718,
Date	Jul 10, 2026
Book Page	85857/263
Instrument	202684718

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Nov 5, 2020
Property Address	110 CENTRAL ST, CONCORD, MA 01742-2911
Document Number	76092-555
Book / Page	076092 / 000555
Instrument Date	Oct 27, 2020
Instrument	6158
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$6,293.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 CENTRAL ST CONCORD MA 017422911, CONCORD, MA 01742-2911

Tax Assessment & Valuation

The 2025 property tax bill for 110 Central St was $228, down 99% from the year before.

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	$228.00 (-98.97%)	$1,721,900 (+2.62%) Land $572,400 Building $1,149,500	$1,734,890
2024	$22,032.00 (+22.91%)	$1,678,000 (+21.32%) Land $572,400 Building $1,105,600
2023	$17,925.00	$1,383,100 Land $520,300 Building $862,800

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

Flood

FEMA maps place 110 Central St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.

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	20 units insured incl. 16 condo units
Nearby Flood Claims	2 (1990–2010)
Most Recent Claim	Mar 2010 · Severe Storms And 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

The area around 110 Central St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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 282 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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