110 Cottage St, Concord, MA 01742 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,922 sqft · built 1910
Lot Size	0.39 acres (16,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,414,500 (Dec 2019)
Tax Bill	$203 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10E B:3770`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10E B:3770`
Alternative APNs	`M:00010E B:03770-00000` `4000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,922 sqft Living Area
Gross Area	6,472 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,970 sqft (0.39 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4000
Street Address	110 COTTAGE ST
City	CONCORD
State	MA
Zip	01742-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	3770
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3013
Census Tract	361100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	110 COTTAGE ST, CONCORD, MA 01742-3036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · ARM CITIZENS BANK
Dec 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Prior Sale	Jun 28, 2002 · Amount on Record
Deed Document Number	20196804
Deed Book / Page	73813 / 130
Prior Transfer Date	Dec 10, 2019
Prior Transfer Doc	73813-130
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	110 COTTAGE ST, CONCORD, MA 01742-3036
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079834-169
Date	Mar 17, 2022
Book Page	79834/169
Instrument	40137

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Apr 1, 2032
Index	Other

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Dec 12, 2019
Property Address	110 COTTAGE ST, CONCORD, MA 01742-3036
Document Number	73813-130
Book / Page	73813 / 130
Instrument Date	Dec 10, 2019
Instrument	196804
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 COTTAGE ST, CONCORD, MA 01742-3036

Mortgage

Document Number	196805
Date	Dec 12, 2019
Instrument	196805

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2030

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	$203.00 (-98.97%)	$1,535,800 (+2.37%) Land $601,300 Building $934,500	$1,804,905
2024	$19,699.00 (+18.18%)	$1,500,300 (+16.66%) Land $601,300 Building $899,000
2023	$16,668.00	$1,286,100 Land $546,700 Building $739,400

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	15 units insured incl. 8 condo units

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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 256 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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