165 Townsend St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 165 Townsend St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,628 sqft · built 1987
Lot Size	1.83 acres (80,002 sqft)
Owner	2 Individual Names on File
Last Sale	$792,000 (Jul 2026)
Tax Bill	$9,452 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0072 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0032 B:0072 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,628 sqft Living Area
Gross Area	5,191 sqft
Basement Area	1,605 sqft
Unfinished Basement	1,605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,002 sqft (1.83 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	165 TOWNSEND ST
City	PEPPERELL
State	MA
Zip	01463-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	72
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	3
Census Block	3010
Census Tract	327103

Owner

165 Townsend St is owned and occupied by two individuals who bought it in July 2026.

Source: Middlesex County and Pepperell Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	165 TOWNSEND ST, PEPPERELL, MA 01463-1245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Jan 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Jun 6, 2017	Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on File
Deed Sale	Jul 1, 2026 · Amount on File
Prior Sale	Dec 19, 2017 · Amount on File
Deed Document Number	202680849
Deed Book / Page	85824 / 359
Transfer Doc	070404-537
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jul 1, 2026
Property Address	165 TOWNSEND ST, PEPPERELL, MA 01463-1245
Document Number	0000080849
Book / Page	85824 / 359
Instrument Date	May 29, 2026
Instrument	202680849
Transaction Type	Transfer
Record Updated	Jul 22, 2026

Transaction

Amount	Amount on Record
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	165 TOWNSEND ST, PEPPERELL, MA 01463-1245

Mortgage

Date	Jul 1, 2026

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.51%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	165 TOWNSEND ST, PEPPERELL, MA 01463-1245
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076690-244
Date	Jan 14, 2021
Book Page	76690/244
Instrument	8789

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	165 TOWNSEND ST, PEPPERELL, MA 01463-1245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75316-301
Date	Aug 7, 2020
Book Page	75316/301
Instrument	132786

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Sep 1, 2025

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jun 6, 2017
Property Address	165 TOWNSEND ST, PEPPERELL, MA 01463-1245
Document Number	69392-59
Book / Page	69392 / 59
Instrument	84601
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	693920061
Date	Jun 6, 2017
Instrument	69392/0061

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 165 Townsend St was $9,452, up 1.2% from the year before.

Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Pepperell Town
Unified School District	North Middlesex School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,452.00 (+1.22%)	$685,900 (+7.46%) Land $212,000 Building $473,900	$716,015 (-)
2025	$9,338.00 (+9%)	$638,300 (+6.92%) Land $196,000 Building $442,300	$716,015 (-)
2024	$8,567.00 (+4.09%)	$597,000 (+9.82%) Land $180,000 Building $417,000	$716,015
2023	$8,230.00	$543,600 Land $152,000 Building $391,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 165 Townsend 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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 165 Townsend St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% 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	PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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