Middlesex County and Wilmington Town property record for 16 Concord St, Wilmington, MA 01887
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,229 sqft · built 1948 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Aug 2020) |
| Tax Bill | $7,330 (2026) |
| Deeds & Mortgages | Sep 2024 Refinance Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WILM M:0078 L:0000 P:0003 |
| Primary APN | WILM M:0078 L:0000 P:0003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,229 sqft Living Area |
| Gross Area | 3,178 sqft |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 16 CONCORD ST |
|---|---|
| City | WILMINGTON |
| State | MA |
| Zip | 01887-2102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R20 |
| Jurisdiction | WILMINGTON MA |
| Township / Civil Division | WILMINGTON |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 331102 |
16 Concord St is owned and occupied by two individuals who bought it in August 2020.
Source: Middlesex County and Wilmington Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 CONCORD ST, WILMINGTON, MA 01887-2102 |
| 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.
| Date | Document |
|---|---|
| Sep 3, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU |
| Jan 16, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Aug 17, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2020 · Amount on File |
| Deed Sale | Aug 17, 2020 · Amount on File |
| Prior Sale | Aug 1, 2014 · Amount on File |
| Deed Book / Page | 34503 / 209 |
| Prior Transfer Date | Aug 12, 2020 |
| Prior Transfer Doc | 34503-209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILMINGTON MA |
| Property Address | 16 CONCORD ST, WILMINGTON, MA 01887-2102 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 038728-136 |
|---|---|
| Date | Sep 3, 2024 |
| Book Page | 38728/136 |
| Instrument | 26726 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILMINGTON MA |
| Property Address | 16 CONCORD ST, WILMINGTON, MA 01887-2102 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33753-206 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 33753/206 |
| Instrument | 2191 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WILMINGTON MA |
| Recording Date | Aug 17, 2020 |
| Property Address | 16 CONCORD ST, WILMINGTON, MA 01887-2102 |
| Document Number | 34503-209 |
| Book / Page | 34503 / 209 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 38538 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 16 CONCORD ST, WILMINGTON, MA 01887-2102 |
| Document Number | 38539 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 38539 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 16 Concord St was $7,330, up 15.3% from the year before.
Source: Middlesex County and Wilmington Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Wilmington Town |
| Unified School District | Wilmington School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,330.00 (+15.32%) | $642,400 (+15.73%) Land $308,900 Building $333,500 | $593,192 (+6.1%) |
| 2025 | $6,356.00 (+4.27%) | $555,100 (+4.09%) Land $286,100 Building $269,000 | $559,075 (+4.09%) |
| 2024 | $6,096.00 (+1.38%) | $533,300 (+5.9%) Land $286,100 Building $247,200 | $537,130 |
| 2023 | $6,013.00 | $503,600 Land $260,000 Building $243,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Concord St 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 | 1 in force |
| Nearby Flood Claims | 2 (1996–2014) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Dec 2014 · rainfall accumulation |
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 16 Concord St 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 | None beyond ember reach |
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 | WILMINGTON WATER DEPT serves 21,654 people · EPA ID MA3342000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 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.
Source: FCC Broadband Data Collection, based on 132 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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