22 Harvard Dr, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 22 Harvard Dr, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 6,083 sqft · built 2005
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Tax Bill	$199 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:034 P:0022`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:034 P:0022`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	6,083 sqft Living Area
Gross Area	11,171 sqft
1st Floor Area	2,999 sqft
Basement Area	2,799 sqft
Unfinished Basement	2,799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 HARVARD DR
City	BEDFORD
State	MA
Zip	01730-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4007
Census Tract	359303

Owner

22 Harvard Dr, a single family home, is owned by two individuals.

Source: Middlesex County and Bedford Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 255, BEDFORD, MA 01730-0255
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 5, 2026	Deed of Trust, Mortgage LEADER BANK NA
Jan 5, 2022	Deed of Trust, Mortgage · ARM TD BANK NA
Oct 9, 2019	Deed of Trust, Mortgage · ARM LEADER BANK NA
Jun 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HARVARD DR, BEDFORD, MA 01730-1020
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085302-139
Date	Mar 5, 2026
Book Page	85302/139
Instrument	23947

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HARVARD DR, BEDFORD, MA 01730-1020
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079484-556
Date	Jan 5, 2022
Book Page	79484/556
Instrument	2105

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 1, 2032
Index	Other
Margin	3

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HARVARD DR, BEDFORD, MA 01730-1020
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73429-180
Date	Oct 9, 2019
Book Page	73429/180
Instrument	155240

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 1, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HARVARD DR, BEDFORD, MA 01730-1020
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74788-285
Date	Jun 1, 2020
Book Page	74788/285
Instrument	83097

Lender

Name	TD BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 22 Harvard Dr was $199, down 98.9% from the year before.

Source: Middlesex County and Bedford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Bedford Town
Unified School District	Bedford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$199.00 (-98.94%)	$1,658,000 (+5%) Land $615,700 Building $1,042,300	$2,200,390
2024	$18,760.00 (+3.39%)	$1,579,100 (+8.61%) Land $586,400 Building $992,700
2023	$18,145.00	$1,453,900 Land $551,200 Building $902,700

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

Flood

FEMA maps place 22 Harvard Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 22 Harvard Dr is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% 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	BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	4 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. 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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