20 Concord Rd, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 20 Concord Rd, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,015 sqft · built 1998
Lot Size	0.281 acres (12,236 sqft)
Owner	2 Individual Names on File
Last Sale	$1,305,000 (Sep 2022)
Tax Bill	$12,222 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STON M:24 B:000 L:8`

Property Details

APN / Parcel Number

Primary APN	`STON M:24 B:000 L:8`
Alternative APN	`5536`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,015 sqft Living Area
Gross Area	7,547 sqft
1st Floor Area	2,363 sqft
Basement Area	1,596 sqft
Unfinished Basement	1,596 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,236 sqft (0.281 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	5536
Street Address	20 CONCORD RD
City	STONEHAM
State	MA
Zip	02180-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	8
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	1
Census Block	1013
Census Tract	337202

Owner

20 Concord Rd is owned and occupied by two individuals who bought it in September 2022.

Source: Middlesex County and Stoneham Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 CONCORD RD, STONEHAM, MA 02180-2146
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Oct 2, 2018	Deed of Trust, Mortgage CENTURY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on File
Deed Sale	Sep 30, 2022 · Amount on File
Prior Sale	Nov 29, 2013 · Amount on File
Deed Book / Page	80783 / 310
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Sep 30, 2022
Property Address	20 CONCORD RD, STONEHAM, MA 02180-2146
Document Number	080783-310
Book / Page	80783 / 310
Instrument Date	Sep 30, 2022
Instrument	148621
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	20 CONCORD RD, STONEHAM, MA 02180-2146

Mortgage

Document Number	0000148622
Date	Sep 30, 2022
Instrument	148622

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	20 CONCORD RD, STONEHAM, MA 02180-2146
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71699-524
Date	Oct 2, 2018
Book Page	71699/524
Instrument	152417

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 20 Concord Rd was $12,222, up 4.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Stoneham Town
Unified School District	Stoneham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,222.00 (+4.73%)	$1,214,900 (+6.5%) Land $420,500 Building $794,400	$1,470,315 (-)
2025	$11,670.00 (+3.42%)	$1,140,800 (+7.07%) Land $400,500 Building $740,300	$1,470,315 (+12.97%)
2024	$11,284.00 (+2.71%)	$1,065,500 (+7.66%) Land $370,500 Building $695,000	$1,301,500
2023	$10,986.00	$989,700 Land $340,500 Building $649,200

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

Flood

FEMA maps place 20 Concord Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 20 Concord Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	STONEHAM WATER DEPT (MWRA SUPPLY) serves 23,244 people · EPA ID MA3284000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Sep 2018
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 327 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 · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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