20 Elm St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 20 Elm St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,286 sqft · built 2005
Lot Size	3.33 acres (145,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$322,500 (Nov 2012)
Tax Bill	$10,540 (2026)
Deeds & Mortgages	Oct 2023 Refinance Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0021 B:0074 L:00001`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0021 B:0074 L:00001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,286 sqft Living Area
Gross Area	5,336 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	145,124 sqft (3.33 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 ELM ST
City	PEPPERELL
State	MA
Zip	01463-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Block	74
Legal Lot Number	1
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2007
Census Tract	327103

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Pepperell Center Historic District listed 1994 · 118 contributing resources · NRIS 94000812

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Middlesex County and Pepperell Town records, as of October 20, 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 ELM ST, PEPPERELL, MA 01463-1646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jun 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Jul 10, 2017	Deed of Trust, Mortgage MAIN STREET BANK (GA)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2012 · Amount on Record
Deed Sale	Nov 30, 2012 · Amount on Record
Prior Sale	Aug 1, 2005 · Amount on Record
Deed Book / Page	60613 / 361
Transfer Doc	060613-361
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	20 ELM ST, PEPPERELL, MA 01463-1646
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082077-109
Date	Oct 10, 2023
Book Page	82077/109
Instrument	113920

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	20 ELM ST, PEPPERELL, MA 01463-1646
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078101-355
Date	Jun 25, 2021
Book Page	78101/355
Instrument	144049

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	20 ELM ST, PEPPERELL, MA 01463-1646
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69574-413
Date	Jul 10, 2017
Book Page	69574/413
Instrument	106267

Lender

Name	MAIN STREET BANK (GA)

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,540.00 (+1.11%)	$764,900 (+7.35%) Land $216,200 Building $548,700	$732,070 (-)
2025	$10,424.00 (+9.46%)	$712,500 (+7.37%) Land $199,900 Building $512,600	$732,070 (+6.82%)
2024	$9,523.00 (+4.02%)	$663,600 (+9.74%) Land $183,500 Building $480,100	$685,330
2023	$9,155.00	$604,700 Land $155,500 Building $449,200

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

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

Values are read at the parcel center point; 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	0.02% annual chance
Exposure	Direct burnable vegetation

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	PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000
Water Source	Groundwater
Last State Inspection	Nov 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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