Middlesex County and Bedford Town property record for 186 Concord Rd, Bedford, MA 01730
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 5,630 sqft · built 2017 |
| Lot Size | 0.689 acres (30,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,085,000 (Mar 2026) |
| Tax Bill | $243 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Mar 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BEDF M:061 P:0070 |
| Primary APN | BEDF M:061 P:0070 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 3 Stories |
| Building Area | 5,630 sqft Living Area |
| Gross Area | 9,669 sqft |
| 1st Floor Area | 760 sqft |
| Basement Area | 1,941 sqft |
| Unfinished Basement | 1,941 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,000 sqft (0.689 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 186 CONCORD RD |
|---|---|
| City | BEDFORD |
| State | MA |
| Zip | 01730-2049 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Jurisdiction | BEDFORD MA |
| Township / Civil Division | BEDFORD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 359303 |
186 Concord Rd is owned and occupied by two individuals who bought it in March 2026.
Source: Middlesex County and Bedford Town records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| 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.
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NBKC BANK |
| Mar 13, 2026 | Quit Claim Deed, Transfer UNION HOME MORTGAGE |
| Jan 13, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Jul 25, 2017 | Deed of Trust, Mortgage ENTERPRISE BANK & TRUST CO |
| Sep 9, 2019 | Deed of Trust, Mortgage · ARM US BANK NA |
| Jun 20, 2018 | Quit Claim Deed, Transfer · ARM PATRIOT COMMUNITY BANK |
| Mar 6, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 13, 2026 · Amount on File |
| Deed Sale | Mar 13, 2026 · Amount on File |
| Prior Sale | Jun 20, 2018 · Amount on File |
| Deed Book / Page | 85336 / 268 |
| Prior Transfer Date | Mar 5, 2026 |
| Prior Transfer Doc | 085336-268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0076904-18 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 76904/18 |
| Instrument | 28203 |
| Name | NBKC BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BEDFORD MA |
| Recording Date | Mar 13, 2026 |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Number | 085336-268 |
| Book / Page | 85336 / 268 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 27666 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Number | 0000027667 |
|---|---|
| Date | Mar 13, 2026 |
| Instrument | 27667 |
| Name | UNION HOME MORTGAGE |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BEDFORD MA |
| Recording Date | Jan 13, 2023 |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Number | 081159-466 |
| Book / Page | 81159 / 466 |
| Instrument Date | Jan 5, 2023 |
| Instrument | 4488 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69660-547 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 69660/547 |
| Instrument | 116867 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD MA |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73247-257 |
|---|---|
| Date | Sep 9, 2019 |
| Book Page | 73247/257 |
| Instrument | 135858 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Sep 1, 2029 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Jun 20, 2018 |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Number | 71185-491 |
| Book / Page | 71185 / 491 |
| Instrument | 89251 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 71185-493 |
|---|---|
| Date | Jun 20, 2018 |
| Book Page | 71185/493 |
| Instrument | 89252 |
| Name | PATRIOT COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BEDFORD MA |
| Recording Date | Mar 6, 2017 |
| Property Address | 186 CONCORD RD, BEDFORD, MA 01730-2049 |
| Document Number | 68977-187 |
| Book / Page | 068977 / 000187 |
| Instrument Date | Feb 14, 2017 |
| Instrument | 34412 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,188.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 53 RICHARDSON ST BILLERICA MA 018212533, BILLERICA, MA 01821-2533 |
The 2025 property tax bill for 186 Concord Rd was $243, down 98.9% 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 | $243.00 (-98.94%) | $2,018,900 (+5%) Land $528,700 Building $1,490,200 | $2,106,625 |
| 2024 | $22,843.00 (+9.03%) | $1,922,800 (+14.53%) Land $503,500 Building $1,419,300 | |
| 2023 | $20,951.00 | $1,678,800 Land $475,600 Building $1,203,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Concord Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 2 (2010–2016) |
| Most Recent Claim | Jul 2016 · other causes |
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 186 Concord Rd is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 146 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 |
| AT&T Fixed Wireless | 100 / 20 |
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