122 Upland Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 122 Upland Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,879 sqft · built 1945
Lot Size	0.649 acres (28,276 sqft)
Owner	2 Individual Names on File
Last Sale	$1,405,000 (Aug 2017)
Tax Bill	$241 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10D B:2721`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10D B:2721`
Alternative APNs	`M:00010D B:02721-00000` `3818`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	4,879 sqft Living Area
Gross Area	8,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,276 sqft (0.649 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3818
Street Address	122 UPLAND RD
City	CONCORD
State	MA
Zip	01742-4004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	2721
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2016
Census Tract	361200

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 File
Mailing Address	122 UPLAND RD, CONCORD, MA 01742-4004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Aug 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Sep 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 16, 2017	Quit Claim Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2017 · Amount on File
Deed Sale	Aug 16, 2017 · Amount on File
Prior Sale	Jul 26, 2005 · Amount on File
Deed Book / Page	69783 / 518
Transfer Doc	069783-518
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	122 UPLAND RD, CONCORD, MA 01742-4004
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085101-165
Date	Jan 9, 2026
Book Page	85101/165
Instrument	2418

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	122 UPLAND RD, CONCORD, MA 01742-4004
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078487-86
Date	Aug 17, 2021
Book Page	78487/86
Instrument	183915

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	122 UPLAND RD, CONCORD, MA 01742-4004
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78487-86
Date	Aug 17, 2021
Book Page	78487/86
Instrument	183915

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	122 UPLAND RD, CONCORD, MA 01742-4004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75565-54
Date	Sep 9, 2020
Book Page	75565/54
Instrument	156988

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Aug 16, 2017
Property Address	122 UPLAND RD, CONCORD, MA 01742-4004
Document Number	69783-518
Book / Page	069783 / 000518
Instrument Date	Aug 10, 2017
Instrument	131530
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,406.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	122 UPLAND RD CONCORD MA 017424004, CONCORD, MA 01742-4004

Mortgage

Document Number	69783-521
Date	Aug 16, 2017
Book Page	069783/000521
Instrument	131531

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.5%

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	$241.00 (-98.99%)	$1,824,500 (+0.84%) Land $538,100 Building $1,286,400	$1,919,665
2024	$23,756.00 (+22.15%)	$1,809,300 (+20.56%) Land $538,100 Building $1,271,200
2023	$19,449.00	$1,500,700 Land $489,100 Building $1,011,600

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 100 ft
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

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

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Concord Light Broadband Fiber	1,000 / 1,000

May also be available: Verizon.

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