20 Bow St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 20 Bow St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,403 sqft · built 1950
Lot Size	0.37 acres (16,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$910,500 (Jun 2010)
Tax Bill	$226 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CONC M:8H B:1302`

Property Details

APN / Parcel Number

Primary APN	`CONC M:8H B:1302`
Alternative APNs	`M:00008H B:01302-00000` `1775`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,403 sqft Living Area
Gross Area	6,193 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,098 sqft (0.37 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1775
Street Address	20 BOW ST
City	CONCORD
State	MA
Zip	01742-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Subdivision	PLAN 10033C
Legal Block	1302
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1010
Census Tract	361300

Owner

Source: Middlesex County and Concord Town records, as of April 14, 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 Record
Mailing Address	20 BOW ST, CONCORD, MA 01742-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2010 · Amount on Record
Deed Sale	Jun 18, 2010 · Amount on Record
Prior Sale	Jan 25, 2010
Deed Book / Page	1385 / 137
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	20 BOW ST, CONCORD, MA 01742-1702
Document Number	0001850767
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BOW ST CONCORD MA 017421702, CONCORD, MA 01742-1702

Mortgage

Document Number	0001850767
Date	Aug 21, 2020
Instrument	1850767

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	20 BOW ST, CONCORD, MA 01742-1702
Document Number	0001850766
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BOW ST CONCORD MA 017421702, CONCORD, MA 01742-1702

Mortgage

Document Number	0001850766
Date	Aug 21, 2020
Instrument	1850766

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2040

Tax Assessment & Valuation

Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$226.00 (-98.99%)	$1,711,000 (-) Land $889,500 Building $821,500	$1,825,995
2024	$22,465.00 (+14.79%)	$1,711,000 (+13.3%) Land $889,500 Building $821,500
2023	$19,571.00	$1,510,100 Land $727,800 Building $782,300

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	10 (1979–2010)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 5 claims Severe Storms & Flooding, Apr 1987 · 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

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
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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