12 Heald St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 12 Heald St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,489 sqft · built 1890
Lot Size	0.533 acres (23,209 sqft)
Owner	2 Individual Names on File
Last Sale	$463,000 (Dec 2021)
Tax Bill	$6,878 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0020 B:0012 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0020 B:0012 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	2,489 sqft Living Area
Gross Area	4,818 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,209 sqft (0.533 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 HEALD ST
City	PEPPERELL
State	MA
Zip	01463-1222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Block	12
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2010
Census Tract	327103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Pepperell Center Historic District listed 1994 · 118 contributing resources · NRIS 94000812

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 Heald St is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 HEALD ST, PEPPERELL, MA 01463-1222
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
Jun 9, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 17, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROSS MORTGAGE COMPANY INC
Dec 30, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Prior Sale	Nov 23, 2016 · Amount on File
Deed Book / Page	79378 / 52
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	12 HEALD ST, PEPPERELL, MA 01463-1222
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084200-415
Date	Jun 9, 2025
Book Page	84200/415
Instrument	64360

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Dec 17, 2021
Property Address	12 HEALD ST, PEPPERELL, MA 01463-1222
Document Number	0079378-52
Book / Page	79378 / 52
Instrument Date	Dec 17, 2021
Instrument	272919
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	473 LOWELL ST, METHUEN, MA 01844-2251

Mortgage

Document Number	0000272920
Date	Dec 17, 2021
Instrument	272920

Lender

Name	ROSS MORTGAGE COMPANY INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Dec 30, 2020
Property Address	12 HEALD ST, PEPPERELL, MA 01463-1222
Document Number	76579-167
Book / Page	76579 / 167
Instrument Date	Dec 7, 2020
Instrument	252166
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 HEALD ST, PEPPERELL, MA 01463-1222

Mortgage

Document Number	76579-171
Date	Dec 30, 2020
Book Page	76579/171
Instrument	252167

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 12 Heald St was $6,878, down 0.1% 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	$6,878.00 (-0.06%)	$499,100 (+6.1%) Land $154,300 Building $344,800	$585,960 (-)
2025	$6,882.00 (+4.76%)	$470,400 (+2.75%) Land $144,800 Building $325,600	$585,960 (+9.58%)
2024	$6,569.00 (+1.89%)	$457,800 (+7.52%) Land $132,200 Building $325,600	$534,755
2023	$6,447.00	$425,800 Land $119,600 Building $306,200

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

Flood

FEMA maps place 12 Heald St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Heald St 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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