18 Hemlock Ln, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 18 Hemlock Ln, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,590 sqft · built 1953
Lot Size	1.29 acres (56,401 sqft)
Owner	2 Individual Names on File
Last Sale	$1,385,000 (Mar 2026)
Tax Bill	$86 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Mar 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:047 P:0020`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:047 P:0020`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
Gross Area	3,075 sqft
1st Floor Area	1,590 sqft
Basement Area	1,128 sqft
Unfinished Basement	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,401 sqft (1.29 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	18 HEMLOCK LN
City	BEDFORD
State	MA
Zip	01730-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3021
Census Tract	359100

Owner

18 Hemlock Ln is owned by two individuals who bought it in March 2026.

Source: Middlesex County and Bedford Town records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 WESTGATE RD, WELLESLEY HILLS, MA 02481-2533
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
Mar 20, 2026	Condominium Deed, Transfer · ARM CORNERSTONE BANK
Mar 20, 2026	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2026 · Amount on File
Deed Sale	Mar 20, 2026 · Amount on File
Prior Sale	Mar 20, 2026 · Amount on File
Deed Document Number	202631013
Deed Book / Page	85368 / 42
Prior Transfer Date	Dec 19, 2024
Prior Transfer Doc	083603-311
Record Updated	Sep 20, 2026

March 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BEDFORD MA
Recording Date	Mar 20, 2026
Property Address	18 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	0085368-42
Book / Page	85368 / 42
Instrument Date	Mar 19, 2026
Instrument	31013
Transaction Type	Transfer
Record Updated	Apr 8, 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	18 HEMLOCK LN # 1, 1, BEDFORD, MA 01730-1327

Mortgage

Document Number	0000031014
Date	Mar 20, 2026
Instrument	31014

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Apr 1, 2031
Index	LIBOR

March 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	BEDFORD MA
Recording Date	Mar 20, 2026
Property Address	18 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	085366-590
Book / Page	85366 / 590
Instrument Date	Mar 19, 2026
Instrument	30891
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Amount	Amount 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	45 WESTGATE RD, WELLESLEY, MA 02481-2533

Tax Assessment & Valuation

The 2025 property tax bill for 18 Hemlock Ln was $86, down 98.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$86.00 (-98.94%)	$717,700 (+5.14%) Land $565,000 Building $152,700	$737,010
2024	$8,109.00 (+4.97%)	$682,600 (+10.27%) Land $538,100 Building $144,500
2023	$7,725.00	$619,000 Land $506,500 Building $112,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 18 Hemlock Ln 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	11 (1979–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Jan 2022 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 3 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 18 Hemlock Ln 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% 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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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