20 Townsend St, Pepperell, MA 01463 Property Records

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

Property Summary

Property Type	Triplex
Details	3 bd · 2 ba · 6,246 sqft · built 1900
Lot Size	0.866 acres (37,714 sqft)
Owner	Individual Name on Record
Tax Bill	$7,347 (2026)
Deeds & Mortgages	Nov 2025 Reverse Mortgage Nov 2025 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0020 B:0056 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0020 B:0056 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Units	8 Units
Stories	2 Stories
Building Area	6,246 sqft Living Area
Gross Area	10,150 sqft
Basement Area	2,469 sqft
Unfinished Basement	2,469 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,714 sqft (0.866 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	20 TOWNSEND ST
City	PEPPERELL
State	MA
Zip	01463-4238
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TNR
Legal Block	56
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2009
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	Individual Name on Record
Mailing Address	PO BOX 353, PEPPERELL, MA 01463-0353
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Nov 4, 2025	Deed of Trust, Mortgage · Reverse Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	20 TOWNSEND ST, PEPPERELL, MA 01463-4238
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084831-176
Date	Nov 4, 2025
Book Page	84831/176
Instrument	134540

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1045 Months
Due	Dec 1, 2112

Interest

Rate Type	Adjustable Rate

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	20 TOWNSEND ST, PEPPERELL, MA 01463-4238
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084831-193
Date	Nov 4, 2025
Book Page	84831/193
Instrument	134541

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	1045 Months
Due	Dec 1, 2112

Interest

Rate Type	Adjustable Rate

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	$7,347.00 (+0.38%)	$533,200 (+6.58%) Land $178,400 Building $354,800
2025	$7,319.00 (-17.75%)	$500,300 (-19.32%) Land $164,900 Building $335,400
2024	$8,898.00 (-1.47%)	$620,100 (+3.96%) Land $151,500 Building $468,600	$899,555
2023	$9,031.00	$596,500 Land $127,900 Building $468,600

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

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

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	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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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