20 Bernard Rd, Woburn, MA 01801 Property Records

Middlesex County and Woburn City property record for 20 Bernard Rd, Woburn, MA 01801

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,828 sqft · built 1960
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Dec 2024)
Tax Bill	$5,975 (2025)
Deeds & Mortgages	Sep 2021 Refinance Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`386871053225 0`

Property Details

APN / Parcel Number

Primary APN	`386871053225 0`
Alternative APN	`WOBU M:73 B:04 L:22 U:00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,828 sqft Living Area
Gross Area	3,178 sqft
1st Floor Area	1,078 sqft
Basement Area	790 sqft
Unfinished Basement	790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	386871053225 0
Street Address	20 BERNARD RD
City	WOBURN
State	MA
Zip	01801-5914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	LAND WOBURN
Legal Block	4
Legal Lot Number	22
Jurisdiction	WOBURN MA
Township / Civil Division	WOBURN
Census Block Group	3
Census Block	3006
Census Tract	333100

Owner

20 Bernard Rd is owned and occupied by two individuals who bought it in December 2024.

Source: Middlesex County and Woburn City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 BERNARD RD, WOBURN, MA 01801-5914
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 15, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2024 · Amount on File
Deed Sale	Dec 19, 2024 · Amount on File
Prior Sale	Apr 21, 2006 · Amount on File
Deed Document Number	2024145407
Deed Book / Page	83604 / 284
Transfer Doc	67744-532
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	20 BERNARD RD, WOBURN, MA 01801-5914
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78741-350
Date	Sep 21, 2021
Book Page	78741/350
Instrument	209063

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	20 BERNARD RD, WOBURN, MA 01801-5914
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73845-490
Date	Dec 18, 2019
Book Page	73845/490
Instrument	200586

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	20 BERNARD RD, WOBURN, MA 01801-5914
Document Number	74737-503
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BERNARD RD WOBURN MA 018015914, WOBURN, MA 01801-5914

Mortgage

Document Number	74737-503
Date	May 26, 2020
Book Page	074737/000503
Instrument	78793

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Bernard Rd was $5,975, up 11.3% from the year before.

Source: Middlesex County and Woburn City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Woburn City
Unified School District	Woburn School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,975.00 (+11.27%)	$699,600 (+5%) Land $358,100 Building $341,500	$720,575 (+2.46%)
2024	$5,370.00 (+2.52%)	$666,300 (+10.66%) Land $341,400 Building $324,900	$703,285
2023	$5,238.00	$602,100 Land $310,400 Building $291,700

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

Flood

FEMA maps place 20 Bernard Rd in Zone X, an area of minimal flood risk, though there have been 13 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	13 (1982–2018)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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 20 Bernard Rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WOBURN WATER DEPT. serves 40,876 people · EPA ID MA3347000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 2025
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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