Middlesex County and Concord Town property record for 16 Oak Rd, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,528 sqft · built 1936 |
| Lot Size | 1.09 acres (47,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,972,000 (Mar 2023) |
| Tax Bill | $252 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jul 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | CONC M:9F B:3969 |
| Primary APN | CONC M:9F B:3969 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Gross Area | 5,519 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 47,841 sqft (1.09 acres) |
| Garage Type | Basement |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2729 |
|---|---|
| Street Address | 16 OAK RD |
| City | CONCORD |
| State | MA |
| Zip | 01742-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Subdivision | RUBY E & HENRY E STROUT |
| Legal Block | 3969 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 361100 |
16 Oak Rd is owned and occupied by two individuals who bought it in March 2023.
Source: Middlesex County and Concord Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 OAK RD, CONCORD, MA 01742-3314 |
| 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 |
|---|---|
| Mar 30, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK |
| Jul 23, 2018 | Deed of Trust, Mortgage · ARM POLI MORTGAGE GROUP INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on File |
| Deed Sale | Mar 30, 2023 · Amount on File |
| Prior Sale | Oct 6, 2003 · Amount on File |
| Deed Document Number | 202331416 |
| Deed Book / Page | 81377 / 190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Mar 30, 2023 |
| Property Address | 16 OAK RD, CONCORD, MA 01742-3314 |
| Document Number | 081377-190 |
| Book / Page | 81377 / 190 |
| Instrument Date | Mar 30, 2023 |
| Instrument | 31416 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| 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 | Tenants by the Entirety |
| Address | 16 OAK RD, CONCORD, MA 01742-3314 |
| Document Number | 0000031417 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 31417 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 16 OAK RD, CONCORD, MA 01742-3314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71355-581 |
|---|---|
| Date | Jul 23, 2018 |
| Book Page | 71355/581 |
| Instrument | 109842 |
| Name | POLI MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.63% |
The 2025 property tax bill for 16 Oak Rd was $252, down 99% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $252.00 (-98.99%) | $1,902,800 (-) Land $1,099,900 Building $802,900 | $2,033,380 |
| 2024 | $24,984.00 (+15.82%) | $1,902,800 (+14.32%) Land $1,099,900 Building $802,900 | |
| 2023 | $21,572.00 | $1,664,500 Land $899,900 Building $764,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Oak Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 16 (1979–2010) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| 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 16 Oak Rd is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Concord Light Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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