14 Union St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 14 Union St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,728 sqft · built 1900
Lot Size	0.155 acres (6,760 sqft)
Owner	Trust Name on Record
Tax Bill	$154 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10G B:346`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10G B:346`
Alternative APNs	`M:00010G B:00346-00000` `4086`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,695 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,760 sqft (0.155 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	4086
Street Address	14 UNION ST
City	CONCORD
State	MA
Zip	01742-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Subdivision	14 UNION STREET CONDO
Legal Block	346
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5000
Census Tract	361100

Owner

Source: Middlesex County and Concord Town records, as of April 14, 2026

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

Owner of Record	Trust Name on Record
Mailing Address	125 CLOUGH HILL RD, LYMAN, NH 03585-3419
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2020	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Oct 22, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2015
Deed Sale	May 1, 2015
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Book / Page	65302 / 122
Transfer Doc	061006-484
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	14 UNION ST, CONCORD, MA 01742-3406
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075025-348
Date	Jul 1, 2020
Book Page	75025/348
Instrument	105221

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Jul 1, 2030
Index	LIBOR

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Oct 22, 2020
Property Address	14 UNION ST, CONCORD, MA 01742-3406
Document Number	75958-31
Book / Page	075958 / 000031
Instrument Date	Oct 22, 2020
Instrument	3574
Transaction Type	Transfer
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 UNION ST CONCORD MA 017423406, CONCORD, MA 01742-3406

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Mar 26, 2020
Property Address	14 UNION ST, CONCORD, MA 01742-3406
Document Number	74358-187
Book / Page	074358 / 000187
Instrument Date	Mar 26, 2020
Instrument	45435
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	14 UNION ST CONCORD MA 017423406, CONCORD, MA 01742-3406

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	$154.00 (-98.97%)	$1,162,100 (+1.65%) Land $654,200 Building $507,900	$1,133,635
2024	$15,010.00	$1,143,200 Land $654,200 Building $489,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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 289 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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