128 Chestnut St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 128 Chestnut St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,383 sqft · built 1989
Lot Size	1.83 acres (80,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,000 (Mar 2017)
Tax Bill	$7,903 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0012 B:0064 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0012 B:0064 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,383 sqft Living Area
Gross Area	4,113 sqft
Basement Area	1,172 sqft
Unfinished Basement	879 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,002 sqft (1.83 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	128 CHESTNUT ST
City	PEPPERELL
State	MA
Zip	01463-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	64
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2020
Census Tract	327101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	128 CHESTNUT ST, PEPPERELL, MA 01463-1020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Mar 8, 2017	Quit Claim Deed, Transfer · Conventional with PMI PHH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2017 · Amount on Record
Deed Sale	Mar 8, 2017 · Amount on Record
Prior Sale	Jan 10, 2003 · Amount on Record
Deed Book / Page	68982 / 460
Transfer Doc	068982-460
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	128 CHESTNUT ST, PEPPERELL, MA 01463-1020
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084679-520
Date	Oct 1, 2025
Book Page	84679/520
Instrument	118804

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2065

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	128 CHESTNUT ST, PEPPERELL, MA 01463-1020
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079538-253
Date	Jan 14, 2022
Book Page	79538/253
Instrument	8266

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Mar 8, 2017
Property Address	128 CHESTNUT ST, PEPPERELL, MA 01463-1020
Document Number	68982-460
Book / Page	068982 / 000460
Instrument Date	Mar 7, 2017
Instrument	35129
Transaction Type	Transfer
Record Updated	Mar 28, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,627.92
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	30 VALLIRIA DR GROTON MA 014501545, GROTON, MA 01450-1545

Mortgage

Document Number	68982-463
Date	Mar 8, 2017
Book Page	068982/000463
Instrument	35130

Lender

Name	PHH HM LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2047

Tax Assessment & Valuation

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	$7,903.00 (+1.91%)	$573,500 (+8.19%) Land $212,000 Building $361,500	$528,770 (-)
2025	$7,755.00 (+9.18%)	$530,100 (+7.09%) Land $196,000 Building $334,100	$528,770 (+9.01%)
2024	$7,103.00 (+7.65%)	$495,000 (+13.58%) Land $180,000 Building $315,000	$485,070
2023	$6,598.00	$435,800 Land $140,000 Building $295,800

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% 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 56 locations within half a mile, as of December 31, 2025

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

May also be available: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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