2 Independence Rd, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 2 Independence Rd, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,146 sqft · built 1982
Lot Size	0.392 acres (17,084 sqft)
Owner	2 Trust Names on File
Last Sale	$760,000 (Jul 2017)
Tax Bill	$9,874 (2025)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2022 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:070 P:0025-Z`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:070 P:0025-Z`
Alternative APN	`M:070 P:0025=Z`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,146 sqft Living Area
Gross Area	3,622 sqft
1st Floor Area	1,094 sqft
Basement Area	1,086 sqft
Unfinished Basement	1,086 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	17,084 sqft (0.392 acres)
Garage Type	Basement
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	2 INDEPENDENCE RD
City	BEDFORD
State	MA
Zip	01730-2434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Subdivision	HARTWELL ACRES 02
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	5
Census Block	5001
Census Tract	359303

Owner

2 Independence Rd is owner-occupied and held in a trust since July 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Jan 21, 2021	Deed of Trust, Mortgage · Line of Credit BAY STATE SAVINGS BANK
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY
Jan 18, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Feb 8, 2024	Deed of Trust, Mortgage · Line of Credit MASS BAY CREDIT UNION
Aug 6, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TREMONT CREDIT UNION
Feb 12, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance ATHOL SAVINGS BANK
Dec 27, 2017	Deed of Trust, Mortgage · Line of Credit BAY STATE BANK
Jan 22, 2020	Deed of Trust, Mortgage · Balloon Mortgage SOUTHBRIDGE CU
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit WASHINGTON TR CO
Jul 27, 2017	Quit Claim Deed, Transfer CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2017 · Amount on File
Deed Sale	Jul 27, 2017 · Amount on File
Prior Sale	Jun 28, 2010 · Amount on File
Deed Book / Page	69674 / 375
Transfer Doc	069674-375
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076744-557
Date	Jan 21, 2021
Book Page	76744/557
Instrument	14023

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079531-585
Date	Jan 13, 2022
Book Page	79531/585
Instrument	7462

Lender

Name	THE WASHINGTON TRUST CO OF WESTERLY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081171-197
Date	Jan 18, 2023
Book Page	81171/197
Instrument	5866

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082467-303
Date	Feb 8, 2024
Book Page	82467/303
Instrument	13222

Lender

Name	MASS BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083100-257
Date	Aug 6, 2024
Book Page	83100/257
Instrument	87971

Lender

Name	TREMONT CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083761-241
Date	Feb 12, 2025
Book Page	83761/241
Instrument	14699

Lender

Name	ATHOL SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2045

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70439-21
Date	Dec 27, 2017
Book Page	70439/21
Instrument	209141

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	228 Months
Due	Dec 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74024-142
Date	Jan 22, 2020
Book Page	74024/142
Instrument	10336

Lender

Name	SOUTHBRIDGE CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	229 Months
Due	Feb 1, 2039

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Document Number	72060-86
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 INDEPENDENCE RD BEDFORD MA 017302434, BEDFORD, MA 01730-2434

Mortgage

Document Number	72060-86
Date	Dec 27, 2018
Book Page	072060/000086
Instrument	6118

Lender

Name	WASHINGTON TR CO

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 26, 2048

Interest

Rate Type	Adjustable Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Jul 27, 2017
Property Address	2 INDEPENDENCE RD, BEDFORD, MA 01730-2434
Document Number	69674-375
Book / Page	069674 / 000375
Instrument Date	Jun 27, 2017
Instrument	118553
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 INDEPENDENCE RD BEDFORD MA 017302434, BEDFORD, MA 01730-2434

Mortgage

Document Number	69674-378
Date	Jul 27, 2017
Book Page	069674/000378
Instrument	118554

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2 Independence Rd was $9,874, up 6.4% 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	$9,874.00 (+6.39%)	$820,100 (+4.98%) Land $479,300 Building $340,800	$1,131,640
2024	$9,281.00 (+2.39%)	$781,200 (+7.56%) Land $456,500 Building $324,700
2023	$9,064.00	$726,300 Land $431,100 Building $295,200

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

Flood

FEMA maps place 2 Independence Rd 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

Wildfire risk around 2 Independence 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	None beyond ember reach

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 142 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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