Middlesex County and Concord Town property record for 1995 Main St, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,034 sqft · built 1956 |
| Lot Size | 0.57 acres (24,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,525,000 (Nov 2021) |
| Tax Bill | $192 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CONC M:11B B:2935 |
| Primary APN | CONC M:11B B:2935 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,034 sqft Living Area |
| Gross Area | 6,433 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,810 sqft (0.57 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 4474 |
|---|---|
| Street Address | 1995 MAIN ST |
| City | CONCORD |
| State | MA |
| Zip | 01742-3806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Subdivision | CONCORD |
| Legal Block | 2935 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 361200 |
1995 Main St is owned and occupied by two individuals who bought it in November 2021.
Source: Middlesex County and Concord Town records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1995 MAIN ST, CONCORD, MA 01742-3806 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2021 | Deed of Trust, Mortgage · Commercial Mortgage HARPER FINANCIAL LLC |
| Nov 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 26, 2021 | Quit Claim Deed, Transfer · Commercial Mortgage HARPER FINANCIAL LLC |
| Jun 30, 2020 | Quit Claim Deed, Transfer LAWRIE CYNTHIA P |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2021 · Amount on File |
| Deed Sale | Nov 30, 2021 · Amount on File |
| Prior Sale | Apr 26, 2021 · Amount on File |
| Deed Document Number | 2021258991 |
| Deed Book / Page | 79247 / 448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 1995 MAIN ST, CONCORD, MA 01742-3806 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00077668-1 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 77668/1 |
| Instrument | 99417 |
| Name | HARPER FINANCIAL LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Jun 1, 2022 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Nov 30, 2021 |
| Property Address | 1995 MAIN ST, CONCORD, MA 01742-3806 |
| Document Number | 079247-448 |
| Book / Page | 79247 / 448 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 258991 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 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 | Tenants by the Entirety |
| Document Number | 0000258992 |
|---|---|
| Date | Nov 30, 2021 |
| Instrument | 258992 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Apr 26, 2021 |
| Property Address | 1995 MAIN ST, CONCORD, MA 01742-3806 |
| Document Number | 077601-593 |
| Book / Page | 77601 / 593 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 93089 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 82 WENDELL AVE # 100, 100, PITTSFIELD, MA 01201-7066 |
| Document Number | 0000099417 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 99417 |
| Name | HARPER FINANCIAL LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 14 Months |
| Due | Jun 1, 2022 |
| Document Number | 00077668-1 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 77668/1 |
| Instrument | 99417 |
| Name | HARPER FINANCIAL LLC |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Jun 1, 2022 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CONCORD MA |
| Recording Date | Jun 30, 2020 |
| Property Address | 1995 MAIN ST, CONCORD, MA 01742-3806 |
| Document Number | 75004-137 |
| Book / Page | 075004 / 000137 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 103415 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $228.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1995 MAIN ST CONCORD MA 017423806, CONCORD, MA 01742-3806 |
| Document Number | 75004-140 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 075004/000140 |
| Instrument | 103416 |
| Name | LAWRIE CYNTHIA P |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 29, 2050 |
The 2025 property tax bill for 1995 Main St was $192, down 99% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Concord Town |
| Elementary School District | Concord School District (PK - 08) |
| Secondary School District | Concord-Carlisle School District (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $192.00 (-99.01%) | $1,451,900 (-1.47%) Land $398,900 Building $1,053,000 | $1,618,705 |
| 2024 | $19,348.00 (+10.07%) | $1,473,600 (+8.65%) Land $398,900 Building $1,074,700 | |
| 2023 | $17,578.00 | $1,356,300 Land $332,400 Building $1,023,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1995 Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1982.
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 | 3 in force |
| Nearby Flood Claims | 5 (1982–2010) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 1995 Main 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 97% of the US · lower than 94% 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 | CONCORD WATER DEPT serves 18,788 people · EPA ID MA3067000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 5 ppb (2024–2026) action level 15 ppb |
| Water Quality | Bromate resolved · Jul 2022 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Concord Light Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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