17 Shirley St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 17 Shirley St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,598 sqft · built 1800
Lot Size	2.24 acres (97,862 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Jun 2004)
Tax Bill	$8,535 (2026)
Deeds & Mortgages	Jan 2023 Refinance Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0034 B:0047 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0034 B:0047 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,598 sqft Living Area
Gross Area	4,504 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1800
Effective Year Built	Effective 1800
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	97,862 sqft (2.24 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Wood Furnace
Heating Fuel	Oil

Location & Zoning

Street Address	17 SHIRLEY ST
City	PEPPERELL
State	MA
Zip	01463-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Block	47
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1004
Census Tract	327103

Owner

17 Shirley St is owned and occupied by two individuals who bought it in June 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	17 SHIRLEY ST, PEPPERELL, MA 01463-1627
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Mar 9, 2018	Deed of Trust, Mortgage NEWBURYPORT FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2004 · Amount on File
Deed Sale	Jun 28, 2004 · Amount on File
Deed Document Number	2004165912
Deed Book / Page	43152 / 68
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	17 SHIRLEY ST, PEPPERELL, MA 01463-1627
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081137-587
Date	Jan 6, 2023
Book Page	81137/587
Instrument	1588

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Feb 1, 2047

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	17 SHIRLEY ST, PEPPERELL, MA 01463-1627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70721-22
Date	Mar 9, 2018
Book Page	70721/22
Instrument	32817

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 17 Shirley St was $8,535, down 2.6% 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	$8,535.00 (-2.59%)	$619,400 (+3.42%) Land $170,500 Building $448,900	$736,630 (-)
2025	$8,762.00 (+4.87%)	$598,900 (+2.87%) Land $170,300 Building $428,600	$736,630 (-2.98%)
2024	$8,355.00 (+1%)	$582,200 (+6.55%) Land $154,100 Building $428,100	$759,240
2023	$8,272.00	$546,400 Land $130,100 Building $416,300

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

Flood

FEMA maps place 17 Shirley St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1985.

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	5 in force
Nearby Flood Claims	8 (1985–2010)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims

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

Wildfire risk around 17 Shirley 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 80% of the US · above 57% 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 132 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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