Middlesex County and Bedford Town property record for 164 Concord Rd, Bedford, MA 01730
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,511 sqft · built 1950 |
| Lot Size | 0.541 acres (23,549 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $654,000 (Oct 2006) |
| Tax Bill | $115 (2025) |
| Deeds & Mortgages | May 2020 Refinance Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BEDF M:061 P:0062 |
| Primary APN | BEDF M:061 P:0062 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,511 sqft Living Area |
| Gross Area | 4,064 sqft |
| 1st Floor Area | 1,552 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,549 sqft (0.541 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 164 CONCORD RD |
|---|---|
| City | BEDFORD |
| State | MA |
| Zip | 01730-2040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Jurisdiction | BEDFORD MA |
| Township / Civil Division | BEDFORD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 359303 |
164 Concord Rd is owned and occupied by two individuals who bought it in October 2006.
Source: Middlesex County and Bedford Town records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 164 CONCORD RD, BEDFORD, MA 01730-2040 |
| 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 |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU |
| Mar 21, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2006 · Amount on File |
| Deed Sale | Oct 13, 2006 · Amount on File |
| Prior Sale | Sep 28, 1992 · Amount on File |
| Deed Document Number | 2006195863 |
| Deed Book / Page | 48317 / 478 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 164 CONCORD RD, BEDFORD, MA 01730-2040 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 074743-104 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 74743/104 |
| Instrument | 79086 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 164 CONCORD RD, BEDFORD, MA 01730-2040 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079849-218 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 79849/218 |
| Instrument | 41821 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2025 property tax bill for 164 Concord Rd was $115, down 98.9% from the year before.
Source: Middlesex County and Bedford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Bedford Town |
| Unified School District | Bedford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $115.00 (-98.94%) | $957,500 (+5.01%) Land $504,000 Building $453,500 | $1,131,830 |
| 2024 | $10,832.00 (+6.04%) | $911,800 (+11.4%) Land $480,000 Building $431,800 | |
| 2023 | $10,215.00 | $818,500 Land $453,400 Building $365,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Concord Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 2 (2010–2016) |
| Most Recent Claim | Jul 2016 · other causes |
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 164 Concord 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 | Indirect within 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 | BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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