Middlesex County and Concord Town property record for 165 Central St, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,838 sqft · built 1908 |
| Lot Size | 0.36 acres (15,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $710,000 (Oct 2006) |
| Tax Bill | $204 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | CONC M:10D B:2557 |
| Primary APN | CONC M:10D B:2557 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,838 sqft Living Area |
| Gross Area | 5,159 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,663 sqft (0.36 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 3724 |
|---|---|
| Street Address | 165 CENTRAL ST |
| City | CONCORD |
| State | MA |
| Zip | 01742-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Block | 2557 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 361200 |
165 Central St is owned and occupied by an individual who bought it in October 2006.
Source: Middlesex County and Concord Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 165 CENTRAL ST, CONCORD, MA 01742-2909 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 10, 2006 · Amount on File |
| Deed Sale | Oct 10, 2006 · Amount on File |
| Deed Document Number | 2006192629 |
| Deed Book / Page | 48293 / 86 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 165 CENTRAL ST, CONCORD, MA 01742-2909 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081757-208 |
|---|---|
| Date | Jul 11, 2023 |
| Book Page | 81757/208 |
| Instrument | 75867 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 165 Central St was $204, 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 | $204.00 (-98.97%) | $1,542,000 (+2.38%) Land $588,900 Building $953,100 | $1,346,435 |
| 2024 | $19,776.00 (+18.16%) | $1,506,200 (+16.63%) Land $588,900 Building $917,300 | |
| 2023 | $16,737.00 | $1,291,400 Land $535,400 Building $756,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Central St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.
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 | 20 units insured incl. 16 condo units |
| Nearby Flood Claims | 2 (1990–2010) |
| Most Recent Claim | Mar 2010 · Severe Storms And 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 risk around 165 Central 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 99.1% of the US · lower than 98.7% 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 | 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 142 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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