13 E Putnam Ave, Chelmsford, MA 01824 Property Records

Middlesex County and Chelmsford Town property record for 13 E Putnam Ave, Chelmsford, MA 01824

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,894 sqft · built 1975
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (May 2017)
Tax Bill	$9,410 (2026)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHEL M:0094 B:0368 L:15`

Property Details

APN / Parcel Number

Primary APN	`CHEL M:0094 B:0368 L:15`
Alternative APN	`5601`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,894 sqft Living Area
Gross Area	3,762 sqft
1st Floor Area	1,044 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5601
Street Address	13 E PUTNAM AVE
City	CHELMSFORD
State	MA
Zip	01824-3914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	CHELMSFORD
Legal Block	368
Legal Lot Number	15
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	3
Census Block	3013
Census Tract	317102

Owner

13 E Putnam Ave is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 E PUTNAM AVE, CHELMSFORD, MA 01824-3914
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
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 3, 2017	Quit Claim Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Jun 26, 2007 · Amount on File
Deed Book / Page	31089 / 230
Transfer Doc	031089-230
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	13 E PUTNAM AVE, CHELMSFORD, MA 01824-3914
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34421-262
Date	Jul 29, 2020
Book Page	34421/262
Instrument	34597

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	13 E PUTNAM AVE, CHELMSFORD, MA 01824-3914
Document Number	33067-194
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 E PUTNAM AVE CHELMSFORD MA 018243914, CHELMSFORD, MA 01824-3914

Mortgage

Document Number	33067-194
Date	Jun 19, 2019
Book Page	033067/000194
Instrument	23670

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 18, 2029

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHELMSFORD MA
Recording Date	May 3, 2017
Property Address	13 E PUTNAM AVE, CHELMSFORD, MA 01824-3914
Document Number	31089-230
Book / Page	031089 / 000230
Instrument Date	May 3, 2017
Instrument	17855
Transaction Type	Transfer
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,257.00
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	13 E PUTNAM AVE CHELMSFORD MA 018243914, CHELMSFORD, MA 01824-3914

Mortgage

Document Number	31089-232
Date	May 3, 2017
Book Page	031089/000232
Instrument	17856

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 13 E Putnam Ave was $9,410, up 5.9% from the year before.

Source: Middlesex County and Chelmsford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Chelmsford Town
Unified School District	Chelmsford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,410.00 (+5.9%)	$709,100 (+10.92%) Land $315,000 Building $394,100	$725,895 (-)
2025	$8,886.00 (+2.07%)	$639,300 (+0.02%) Land $286,800 Building $352,500	$725,895 (+2.22%)
2024	$8,706.00 (+3.88%)	$639,200 (+9.6%) Land $286,800 Building $352,400	$710,125
2023	$8,381.00	$583,200 Land $304,500 Building $278,700

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

Flood

FEMA maps place 13 E Putnam Ave in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 units insured incl. 2 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

Wildfire risk around 13 E Putnam Ave is low, with less than 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 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	CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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