21 Lawrence St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 21 Lawrence St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,759 sqft · built 1972
Lot Size	1.75 acres (76,230 sqft)
Owner	2 Individual Names on File
Last Sale	$367,500 (Apr 2004)
Tax Bill	$7,301 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0008 B:0006 L:0000A`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0008 B:0006 L:0000A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,759 sqft Living Area
Gross Area	4,264 sqft
Basement Area	891 sqft
Unfinished Basement	535 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	76,230 sqft (1.75 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	21 LAWRENCE ST
City	PEPPERELL
State	MA
Zip	01463-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	6
Legal Lot Number	A
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2006
Census Tract	327101

Owner

21 Lawrence St is owned and occupied by two individuals who bought it in April 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 LAWRENCE ST, PEPPERELL, MA 01463-1021
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
Mar 27, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LIBERTY BAY CREDIT UNION
Jan 31, 2020	Deed of Trust, Mortgage · ARM LIBERTY BAY CREDIT UNION
Jun 23, 2020	Deed of Trust, Mortgage · ARM LIBERTY BAY CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2004 · Amount on File
Deed Sale	Apr 30, 2004 · Amount on File
Deed Document Number	2004105467
Deed Book / Page	42659 / 272
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	21 LAWRENCE ST, PEPPERELL, MA 01463-1021
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082602-325
Date	Mar 27, 2024
Book Page	82602/325
Instrument	29674

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2039

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	21 LAWRENCE ST, PEPPERELL, MA 01463-1021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74070-456
Date	Jan 31, 2020
Book Page	74070/456
Instrument	15391

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2030

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	21 LAWRENCE ST, PEPPERELL, MA 01463-1021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74951-52
Date	Jun 23, 2020
Book Page	74951/52
Instrument	98600

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2030
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 21 Lawrence St was $7,301, down 1.3% from the year before.

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	$7,301.00 (-1.31%)	$529,800 (+4.77%) Land $165,600 Building $364,200	$643,468 (+24.72%)
2025	$7,398.00 (+9.49%)	$505,700 (+7.39%) Land $165,600 Building $340,100	$515,945 (-)
2024	$6,757.00	$470,900 Land $149,900 Building $321,000	$515,945

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

Flood

FEMA maps place 21 Lawrence St in Zone X, an area of minimal flood risk.

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	1 in force

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 Lawrence St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 98.2% 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 27 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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