22 Hemlock Ln, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 22 Hemlock Ln, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,799 sqft · built 1953
Lot Size	1.01 acres (44,000 sqft)
Owner	2 Individual Names on File
Last Sale	$642,000 (Aug 2017)
Tax Bill	$100 (2025)
Deeds & Mortgages	Feb 2022 Refinance Mar 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:047 P:0018`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:047 P:0018`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,799 sqft Living Area
Gross Area	3,968 sqft
1st Floor Area	1,806 sqft
Basement Area	1,799 sqft
Unfinished Basement	1,799 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,000 sqft (1.01 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	22 HEMLOCK LN
City	BEDFORD
State	MA
Zip	01730-1327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3021
Census Tract	359100

Owner

22 Hemlock Ln is owned and occupied by two individuals who bought it in August 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327
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
Feb 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Mar 29, 2017	Deed of Trust, Mortgage HANSCOM FCU
Aug 11, 2017	Quit Claim Deed, Transfer BERKSHIRE BANK
Jan 18, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2017 · Amount on File
Deed Sale	Aug 11, 2017 · Amount on File
Prior Sale	Jan 18, 2017
Deed Book / Page	69760 / 522
Transfer Doc	069760-522
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079745-116
Date	Feb 28, 2022
Book Page	79745/116
Instrument	30588

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069070-243
Date	Mar 29, 2017
Book Page	69070/243
Instrument	46141

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Aug 11, 2017
Property Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	069760-522
Book / Page	69760 / 522
Instrument	128780
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.93
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327

Mortgage

Document Number	0697600525
Date	Aug 11, 2017
Instrument	69760/0525

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Jan 18, 2017
Property Address	22 HEMLOCK LN, BEDFORD, MA 01730-1327
Document Number	68777-170
Book / Page	068777 / 000170
Instrument Date	Jan 4, 2017
Instrument	9825
Transaction Type	Transfer
Record Updated	Feb 7, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	22 HEMLOCK LN BEDFORD MA 017301327, BEDFORD, MA 01730-1327

Tax Assessment & Valuation

The 2025 property tax bill for 22 Hemlock Ln was $100, 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	$100.00 (-98.94%)	$835,700 (+5.01%) Land $495,000 Building $340,700	$786,505
2024	$9,454.00 (+8.49%)	$795,800 (+13.98%) Land $471,400 Building $324,400
2023	$8,714.00	$698,200 Land $443,700 Building $254,500

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

Flood

FEMA maps place 22 Hemlock Ln in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	11 (1979–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Jan 2022 · rainfall accumulation
Claims by Event	Extreme Weather Conditons And Flooding, Oct 1996 · 3 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 22 Hemlock Ln 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	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 159 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 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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