22 Pine St, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 22 Pine St, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,624 sqft · built 1957
Lot Size	0.69 acres (30,074 sqft)
Owner	2 Individual Names on Record
Last Sale	$975,000 (May 2023)
Tax Bill	$99 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:073 P:0105`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:073 P:0105`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
Gross Area	3,056 sqft
1st Floor Area	1,368 sqft
Basement Area	1,384 sqft
Unfinished Basement	1,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,074 sqft (0.69 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	22 PINE ST
City	BEDFORD
State	MA
Zip	01730-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2004
Census Tract	359100

Owner

Source: Middlesex County and Bedford 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	2 Individual Names on Record
Mailing Address	22 PINE ST, BEDFORD, MA 01730-2818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 3, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
May 28, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK
Nov 19, 2018	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SVGS BK
Jan 27, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Sep 11, 2017	Quit Claim Deed, Transfer RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2023 · Amount on Record
Deed Sale	May 3, 2023 · Amount on Record
Prior Sale	Sep 11, 2017 · Amount on Record
Deed Book / Page	81493 / 290
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	May 3, 2023
Property Address	22 PINE ST, BEDFORD, MA 01730-2818
Document Number	081493-290
Book / Page	81493 / 290
Instrument Date	May 3, 2023
Instrument	45266
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	22 PINE ST, BEDFORD, MA 01730-2818

Mortgage

Document Number	0000045267
Date	May 3, 2023
Instrument	45267

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74759-276
Date	May 28, 2020
Book Page	74759/276
Instrument	80502

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	22 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71902-275
Date	Nov 19, 2018
Book Page	71902/275
Instrument	177156

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2038

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Jan 27, 2020
Property Address	22 PINE ST, BEDFORD, MA 01730-2818
Document Number	74041-173
Book / Page	74041 / 173
Instrument Date	Jan 17, 2020
Instrument	12288
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PINE ST, BEDFORD, MA 01730-2818

Mortgage

Document Number	74041-178
Date	Jan 27, 2020
Book Page	74041/178
Instrument	12289

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Sep 11, 2017
Property Address	22 PINE ST, BEDFORD, MA 01730-2818
Document Number	69910-502
Book / Page	69910 / 502
Instrument	146764
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.90
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 PINE ST, BEDFORD, MA 01730-2818

Mortgage

Document Number	699100505
Date	Sep 11, 2017
Instrument	69910/0505

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2047

Tax Assessment & Valuation

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	$99.00 (-98.94%)	$827,500 (+4.99%) Land $529,000 Building $298,500	$987,145
2024	$9,364.00 (+21.22%)	$788,200 (+27.33%) Land $503,800 Building $284,400
2023	$7,725.00	$619,000 Land $475,800 Building $143,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	16 (1978–2010)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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	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 182 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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