20 Ridgeway Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 20 Ridgeway Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,777 sqft · built 2018
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,350,000 (Jan 2019)
Tax Bill	$199 (2025)
Deeds & Mortgages	May 2021 Refinance Sep 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:8I B:954`

Property Details

APN / Parcel Number

Primary APN	`CONC M:8I B:954`
Alternative APNs	`M:00008I B:00954-00000` `1849`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,777 sqft Living Area
Gross Area	5,239 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1849
Street Address	20 RIDGEWAY RD
City	CONCORD
State	MA
Zip	01742-2636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Subdivision	RIDGEWAY
Legal Block	954
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3005
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 Company Names on Record
Mailing Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Sep 12, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Dec 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Jan 4, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2019 · Amount on Record
Deed Sale	Jan 4, 2019 · Amount on Record
Prior Sale	Apr 18, 2018 · Amount on Record
Deed Book / Page	72093 / 187
Prior Transfer Date	Jan 3, 2019
Prior Transfer Doc	72093-187
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Transaction Type	Mortgage
Record Updated	Feb 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077749-444
Date	May 12, 2021
Book Page	77749/444
Instrument	107692

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Sep 12, 2024
Property Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Document Number	083232-151
Book / Page	83232 / 151
Instrument Date	Sep 10, 2024
Instrument	103399
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74895-305
Date	Jun 16, 2020
Book Page	74895/305
Instrument	93475

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73903-529
Date	Dec 27, 2019
Book Page	73903/529
Instrument	207102

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jan 4, 2019
Property Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636
Document Number	72093-187
Book / Page	72093 / 187
Instrument Date	Jan 3, 2019
Instrument	1627
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	20 RIDGEWAY RD, CONCORD, MA 01742-2636

Mortgage

Document Number	1628
Date	Jan 4, 2019
Instrument	1628

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2024

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	$199.00 (-98.97%)	$1,504,200 (+1.89%) Land $567,000 Building $937,200	$1,858,390
2024	$19,384.00 (+6.4%)	$1,476,300 (+5.02%) Land $529,200 Building $947,100
2023	$18,218.00	$1,405,700 Land $504,100 Building $901,600

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1984–2012)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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 87 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

May also be available: T-Mobile, Verizon.

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