Middlesex County and Bedford Town property record for 18 Charles St, Bedford, MA 01730
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,411 sqft · built 2009 |
| Lot Size | 0.422 acres (18,361 sqft) |
| Owner | Trust Name on File |
| Last Sale | $325,000 (Dec 2008) |
| Tax Bill | $17,027 (2025) |
| Deeds & Mortgages | Sep 2025 Sale May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | BEDF M:078 P:0124 |
| Primary APN | BEDF M:078 P:0124 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,411 sqft Living Area |
| Gross Area | 6,004 sqft |
| Basement Area | 1,590 sqft |
| Unfinished Basement | 1,590 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,361 sqft (0.422 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 18 CHARLES ST |
|---|---|
| City | BEDFORD |
| State | MA |
| Zip | 01730-2521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Jurisdiction | BEDFORD MA |
| Township / Civil Division | BEDFORD |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 359303 |
18 Charles St is owner-occupied and held in a trust since September 2025.
Source: Middlesex County and Bedford Town records, as of April 14, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 18 CHARLES ST, BEDFORD, MA 01730-2521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Sep 8, 2025 | Warranty Deed, Transfer |
| May 17, 2017 | Quit Claim Deed, Mortgage LEADER BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 4, 2008 · Amount on File |
| Deed Sale | Dec 4, 2008 · Amount on File |
| Deed Book / Page | 1363 / 1 |
| Last Transfer Date | Sep 4, 2025 |
| Transfer Doc | 0001984561 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BEDFORD MA |
| Recording Date | Sep 8, 2025 |
| Property Address | 18 CHARLES ST, BEDFORD, MA 01730-2521 |
| Document Number | 0001984561 |
| Instrument Date | Sep 4, 2025 |
| Instrument | 1984561 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 CHARLES ST, BEDFORD, MA 01730-2521 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BEDFORD MA |
| Recording Date | May 17, 2017 |
| Property Address | 18 CHARLES ST, BEDFORD, MA 01730-2521 |
| Document Number | 0001760437 |
| Instrument Date | May 8, 2017 |
| Instrument | 1760437 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 CHARLES ST BEDFORD MA 017302521, BEDFORD, MA 01730-2521 |
| Document Number | 1760438 |
|---|---|
| Date | May 17, 2017 |
| Instrument | 1760438 |
| Name | LEADER BK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 16, 2047 |
The 2025 property tax bill for 18 Charles St was $17,027, up 6.4% 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 | $17,027.00 (+6.42%) | $1,414,200 (+5%) Land $581,000 Building $833,200 | $1,469,840 |
| 2024 | $16,000.00 (+7.3%) | $1,346,800 (+12.71%) Land $553,300 Building $793,500 | |
| 2023 | $14,912.00 | $1,194,900 Land $522,600 Building $672,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Charles St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.
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 | 8 in force |
| Nearby Flood Claims | 4 (1996–2010) |
| Claims Outside the SFHA | 4 of 4 |
| 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 18 Charles 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 98% of the US · lower than 96% 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 | 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 162 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 |
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