Middlesex County and Bedford Town property record for 14 Cot Hill Rd, Bedford, MA 01730
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,030 sqft · built 1972 |
| Lot Size | 0.938 acres (40,842 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $665,000 (Dec 2005) |
| Tax Bill | $11,440 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BEDF M:019 P:0076-G |
| Primary APN | BEDF M:019 P:0076-G |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| Gross Area | 4,879 sqft |
| 1st Floor Area | 1,750 sqft |
| Basement Area | 1,882 sqft |
| Unfinished Basement | 1,882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,842 sqft (0.938 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 14 COT HILL RD |
|---|---|
| City | BEDFORD |
| State | MA |
| Zip | 01730-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Jurisdiction | BEDFORD MA |
| Township / Civil Division | BEDFORD |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 359100 |
14 Cot Hill Rd is owner-occupied and held in a trust since October 2024.
Source: Middlesex County and Bedford Town records, as of April 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEW FED MORTGAGE CORP |
| Oct 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 5, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Oct 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Dec 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2005 · Amount on File |
| Deed Sale | Dec 22, 2005 · Amount on File |
| Prior Sale | Jan 15, 2003 · Amount on File |
| Deed Document Number | 2005280747 |
| Deed Book / Page | 46706 / 341 |
| Last Transfer Date | Oct 16, 2024 |
| Transfer Doc | 083368-101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0084922-28 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 84922/28 |
| Instrument | 144479 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 082078-103 |
|---|---|
| Date | Oct 10, 2023 |
| Book Page | 82078/103 |
| Instrument | 114049 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0080797-17 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 80797/17 |
| Instrument | 150356 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78931-246 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 78931/246 |
| Instrument | 228125 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 14 COT HILL RD, BEDFORD, MA 01730-1219 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76444-440 |
|---|---|
| Date | Dec 16, 2020 |
| Book Page | 76444/440 |
| Instrument | 239841 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2052 |
The 2025 property tax bill for 14 Cot Hill Rd was $11,440, up 4.4% from the year before.
Source: Middlesex County and Bedford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Bedford Town |
| Unified School District | Bedford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,440.00 (+4.42%) | $950,200 (+3.04%) Land $570,200 Building $380,000 | $1,010,800 |
| 2024 | $10,956.00 (+2.55%) | $922,200 (+7.72%) Land $543,100 Building $379,100 | |
| 2023 | $10,684.00 | $856,100 Land $512,900 Building $343,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Cot Hill Rd 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 | 9 in force |
| Nearby Flood Claims | 11 (1979–2022) |
| Claims Outside the SFHA | 6 of 11 |
| Most Recent Claim | Jan 2022 · rainfall accumulation |
| 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 14 Cot Hill Rd 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 95% of the US · lower than 90% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 98 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 / 2,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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