21 Bernard Rd, Woburn, MA 01801 Property Records

Middlesex County and Woburn City property record for 21 Bernard Rd, Woburn, MA 01801

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1956
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Tax Bill	$5,016 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`386870453242 0`

Property Details

APN / Parcel Number

Primary APN	`386870453242 0`
Alternative APN	`WOBU M:73 B:06 L:01 U:00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,279 sqft
1st Floor Area	1,092 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	386870453242 0
Street Address	21 BERNARD RD
City	WOBURN
State	MA
Zip	01801-5913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	6
Legal Lot Number	1
Jurisdiction	WOBURN MA
Township / Civil Division	WOBURN
Census Block Group	3
Census Block	3007
Census Tract	333100

Owner

21 Bernard Rd is owned and occupied by an individual.

Source: Middlesex County and Woburn City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	21 BERNARD RD, WOBURN, MA 01801-5913
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Oct 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	21 BERNARD RD, WOBURN, MA 01801-5913
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081413-69
Date	Apr 10, 2023
Book Page	81413/69
Instrument	35713

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	21 BERNARD RD, WOBURN, MA 01801-5913
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75583-389
Date	Sep 10, 2020
Book Page	75583/389
Instrument	158754

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WOBURN MA
Property Address	21 BERNARD RD, WOBURN, MA 01801-5913
Document Number	71844-313
Instrument Date	Oct 31, 2018
Transaction Type	Mortgage
Record Updated	Nov 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 BERNARD RD WOBURN MA 018015913, WOBURN, MA 01801-5913

Mortgage

Document Number	71844-313
Date	Nov 5, 2018
Book Page	071844/000313
Instrument	219

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21 Bernard Rd was $5,016, up 9.2% from the year before.

Source: Middlesex County and Woburn City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Woburn City
Unified School District	Woburn School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,016.00 (+9.21%)	$587,400 (+3.07%) Land $370,000 Building $217,400	$649,990 (+4.65%)
2024	$4,593.00 (-0.46%)	$569,900 (+7.47%) Land $352,500 Building $217,400	$621,110
2023	$4,614.00	$530,300 Land $320,500 Building $209,800

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

Flood

FEMA maps place 21 Bernard Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1982.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	13 (1982–2018)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Jan 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 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

Wildfire risk around 21 Bernard Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	WOBURN WATER DEPT. serves 40,876 people · EPA ID MA3347000
Water Source	Purchased surface water from MWRA
Last State Inspection	Aug 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 281 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	980 / 880

May also be available: T-Mobile.

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