197 Concord Rd, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 197 Concord Rd, Bedford, MA 01730 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,339 sqft · built 1919
Lot Size	0.405 acres (17,642 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Jun 2020)
Tax Bill	$79 (2025)
Deeds & Mortgages	Dec 2020 Refinance Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:061 P:0008`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:061 P:0008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,339 sqft Living Area
Gross Area	2,933 sqft
1st Floor Area	708 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Other
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,642 sqft (0.405 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	197 CONCORD RD
City	BEDFORD
State	MA
Zip	01730-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3015
Census Tract	359303

Owner

Source: Middlesex County and Bedford Town records · APN BEDF M:061 P:0008

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	197 CONCORD RD, BEDFORD, MA 01730-2017
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HOME BANK
Jun 11, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Apr 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	May 09, 2011 · Amount on Record
Deed Document Number	202090563
Deed Book / Page	74865 / 152
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	197 CONCORD RD, BEDFORD, MA 01730-2017
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76406-115
Date	Dec 11, 2020
Book Page	76406/115
Instrument	236263

Lender

Name	FIRST HOME BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 01, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Jun 11, 2020
Property Address	197 CONCORD RD, BEDFORD, MA 01730-2017
Document Number	74865-152
Book / Page	74865 / 152
Instrument Date	May 15, 2020
Instrument	90563
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	197 CONCORD RD, BEDFORD, MA 01730-2017

Mortgage

Document Number	90564
Date	Jun 11, 2020
Instrument	90564

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	197 CONCORD RD, BEDFORD, MA 01730-2017
Document Number	70958-549
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70958-549
Date	May 03, 2018
Book Page	070958/000549
Instrument	61454

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 02, 2033

Tax Assessment & Valuation

Source: Middlesex County and Bedford Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$79.00 (-98.95%)	$662,400 (+4.99%) Land $481,400 Building $181,000	$769,785
2024	$7,495.00 (+1.96%)	$630,900 (+7.11%) Land $458,500 Building $172,400
2023	$7,351.00	$589,000 Land $433,000 Building $156,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173593033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 32 individual NFIP policies nearby
Nearby Flood Policies	32 in force
Nearby Flood Claims	2 (2010–2016)
Most Recent Claim	Jul 2016, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 146 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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