Middlesex County and Pepperell Town property record for 12 Joan St, Pepperell, MA 01463
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,049 sqft · built 1980 |
| Lot Size | 1.63 acres (71,003 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,356 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0016 B:0052 L:00000 |
| Primary APN | PEPP M:0016 B:0052 L:00000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,049 sqft Living Area |
| Gross Area | 4,798 sqft |
| Basement Area | 1,160 sqft |
| Unfinished Basement | 1,160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 71,003 sqft (1.63 acres) |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 12 JOAN ST |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SUR |
| Legal Block | 52 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 327102 |
12 Joan St is owned and occupied by two individuals.
Source: Middlesex County and Pepperell Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 JOAN ST, PEPPERELL, MA 01463-1322 |
| 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.
| Date | Document |
|---|---|
| Jul 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MAIN STREET BANK |
| Nov 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Recording Date | Jul 3, 2026 |
| Property Address | 12 JOAN ST, PEPPERELL, MA 01463-1322 |
| Document Number | 0000081951 |
| Book / Page | 85834 / 236 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 202681951 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12 JOAN ST, PEPPERELL, MA 01463-1322 |
| Document Number | 0000081951, |
|---|---|
| Date | Jul 3, 2026 |
| Book Page | 85834/236 |
| Instrument | 202681951 |
| Name | MAIN STREET BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 12 JOAN ST, PEPPERELL, MA 01463-1322 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 082200-363 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 82200/363 |
| Instrument | 129285 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2043 |
The 2026 property tax bill for 12 Joan St was $7,356, up 0.6% from the year before.
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,356.00 (+0.56%) | $533,800 (+6.76%) Land $189,400 Building $344,400 | $545,585 (-) |
| 2025 | $7,315.00 (+9.41%) | $500,000 (+7.32%) Land $177,800 Building $322,200 | $545,585 (+14.2%) |
| 2024 | $6,686.00 (+2.28%) | $465,900 (+7.9%) Land $162,300 Building $303,600 | $477,755 |
| 2023 | $6,537.00 | $431,800 Land $146,900 Building $284,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Joan St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 10 (1982–2010) |
| Most Recent Claim | Apr 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 12 Joan St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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