15 Stow St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 15 Stow St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,654 sqft · built 1900
Lot Size	0.188 acres (8,168 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,675,000 (Jul 2022)
Tax Bill	$25,491 (2025)
Deeds & Mortgages	Jul 2023 Refinance Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:9H B:811`

Property Details

APN / Parcel Number

Primary APN	`CONC M:9H B:811`
Alternative APNs	`M:00009H B:00811-00000` `3115`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,654 sqft Living Area
Gross Area	6,105 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	8,168 sqft (0.188 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	3115
Street Address	15 STOW ST
City	CONCORD
State	MA
Zip	01742-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Subdivision	CONCORD
Legal Block	811
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2011
Census Tract	361300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	15 STOW ST, CONCORD, MA 01742-2416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Jul 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Feb 14, 2017	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Deed Document Number	2022101538
Deed Book / Page	80381 / 486
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	15 STOW ST, CONCORD, MA 01742-2416
Transaction Type	Mortgage
Record Updated	Aug 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081776-349
Date	Jul 17, 2023
Book Page	81776/349
Instrument	78180

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jul 1, 2022
Property Address	15 STOW ST, CONCORD, MA 01742-2416
Document Number	080381-486
Book / Page	80381 / 486
Instrument Date	Jul 1, 2022
Instrument	101538
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 STOW ST, CONCORD, MA 01742-2416

Mortgage

Document Number	0000101539
Date	Jul 1, 2022
Instrument	101539

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	15 STOW ST, CONCORD, MA 01742-2416
Document Number	68920-404
Book / Page	068920 / 000404
Instrument Date	Feb 14, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust

Mortgage

Document Number	68920-404
Date	Feb 22, 2017
Book Page	068920/000404
Instrument	27496

Lender

Name	CAMBRIDGE TR

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 21, 2037

Interest

Rate Type	Adjustable Rate

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	$25,491.00 (+2.53%)	$1,922,400 (+1.53%) Land $1,150,000 Building $772,400	$1,951,870
2024	$24,862.00 (+6.84%)	$1,893,500 (+5.45%) Land $1,150,000 Building $743,500
2023	$23,271.00	$1,795,600 Land $1,045,400 Building $750,200

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	9 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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	Direct burnable vegetation

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 (outdoors only) and 4G LTE

Nearby Properties on Stow St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures