21 Pine St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 21 Pine St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,038 sqft · built 1887
Lot Size	0.14 acres (6,120 sqft)
Owner	Trust Name on Record
Last Sale	$225,000 (Dec 1996)
Tax Bill	$125 (2025)
Deeds & Mortgages	Jan 2022 Refinance Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10D B:2612`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10D B:2612`
Alternative APNs	`M:00010D B:02612-00000` `3774`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,038 sqft Living Area
Gross Area	3,590 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,120 sqft (0.14 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	3774
Street Address	21 PINE ST
City	CONCORD
State	MA
Zip	01742-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	2612
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2002
Census Tract	361200

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	Trust Name on Record
Mailing Address	21 PINE ST, CONCORD, MA 01742-3018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK
Jan 4, 2022	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Nov 20, 2017	Deed of Trust, Mortgage · ARM MIDDLESEX SAVINGS BANK
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 1996 · Amount on Record
Deed Sale	Dec 16, 1996 · Amount on Record
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	21 PINE ST, CONCORD, MA 01742-3018
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079477-462
Date	Jan 4, 2022
Book Page	79477/462
Instrument	1099

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	21 PINE ST, CONCORD, MA 01742-3018
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079477-477
Date	Jan 4, 2022
Book Page	79477/477
Instrument	1100

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	21 PINE ST, CONCORD, MA 01742-3018
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70261-134
Date	Nov 20, 2017
Book Page	70261/134
Instrument	188671

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	21 PINE ST, CONCORD, MA 01742-3018
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70261-152
Date	Nov 20, 2017
Book Page	70261/152
Instrument	188672

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2037

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	$125.00 (-98.97%)	$946,200 (+2.24%) Land $396,800 Building $549,400	$893,855
2024	$12,152.00	$925,500 Land $396,800 Building $528,700

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
Nearby Flood Policies	20 units insured incl. 16 condo units
Nearby Flood Claims	2 (1990–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Not rated no burnable land within 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	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 282 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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