15 Oxbow Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 15 Oxbow Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,830 sqft · built 1952
Lot Size	1.25 acres (54,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,500 (Aug 2017)
Tax Bill	$149 (2025)
Deeds & Mortgages	Jul 2023 Refinance Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:13F B:3581`

Property Details

APN / Parcel Number

Primary APN	`CONC M:13F B:3581`
Alternative APNs	`M:00013F B:03581-00000` `5412`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	5,706 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,676 sqft (1.25 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5412
Street Address	15 OXBOW RD
City	CONCORD
State	MA
Zip	01742-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	3581
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5012
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	2 Individual Names on Record
Mailing Address	15 OXBOW RD, CONCORD, MA 01742-4926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Feb 3, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 4, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2017 · Amount on Record
Deed Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	2017124960
Deed Book / Page	69728 / 386
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	15 OXBOW RD, CONCORD, MA 01742-4926
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081818-251
Date	Jul 27, 2023
Book Page	81818/251
Instrument	83061

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	15 OXBOW RD, CONCORD, MA 01742-4926
Document Number	70616-212
Instrument Date	Feb 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70616-212
Date	Feb 12, 2018
Book Page	070616/000212
Instrument	19853

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Aug 4, 2017
Property Address	15 OXBOW RD, CONCORD, MA 01742-4926
Document Number	69728-388
Book / Page	069728 / 000388
Instrument Date	Aug 4, 2017
Instrument	124961
Transaction Type	Transfer
Record Updated	Aug 22, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 OXBOW RD CONCORD MA 017424926, CONCORD, MA 01742-4926

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	$149.00 (-98.97%)	$1,126,100 (+1.77%) Land $643,800 Building $482,300	$1,609,585
2024	$14,528.00 (+6.18%)	$1,106,500 (+4.8%) Land $643,800 Building $462,700
2023	$13,683.00	$1,055,800 Land $605,400 Building $450,400

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 500 ft
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	0.02% 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	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 93 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

Cell Coverage

5G (outdoors only) and 4G LTE

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