Middlesex County and Chelmsford Town property record for 23 Summit Ave, Chelmsford, MA 01824
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,448 sqft · built 1973 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Jan 2021) |
| Tax Bill | $12,422 (2026) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Jul 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CHEL M:0101 B:0357 L:14 |
| Primary APN | CHEL M:0101 B:0357 L:14 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,448 sqft Living Area |
| Gross Area | 6,104 sqft |
| 1st Floor Area | 1,296 sqft |
| Attic | Attic |
| Attic Area | 1,152 sqft |
| Basement Area | 1,296 sqft |
| Unfinished Basement | 1,296 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 7547 |
|---|---|
| Street Address | 23 SUMMIT AVE |
| City | CHELMSFORD |
| State | MA |
| Zip | 01824-3810 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Block | 357 |
| Legal Lot Number | 14 |
| Jurisdiction | CHELMSFORD MA |
| Township / Civil Division | CHELMSFORD |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 317101 |
23 Summit Ave is owned and occupied by two individuals who bought it in January 2021.
Source: Middlesex County and Chelmsford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| 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.
| Date | Document |
|---|---|
| Jan 5, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage METRO CU |
| Jul 2, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Mar 20, 2018 | Deed of Trust, Mortgage · Conventional with PMI NORTHEAST HM LN |
| Nov 15, 2017 | Quit Claim Deed, Transfer FBC MTG LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2021 · Amount on File |
| Deed Sale | Jan 5, 2021 · Amount on File |
| Prior Sale | Nov 15, 2017 · Amount on File |
| Deed Book / Page | 35150 / 130 |
| Prior Transfer Date | Dec 22, 2020 |
| Prior Transfer Doc | 35150-130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Recording Date | Jan 5, 2021 |
| Property Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 35150-130 |
| Book / Page | 35150 / 130 |
| Instrument Date | Dec 22, 2020 |
| Instrument | 496 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 497 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 497 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Property Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 32231-53 |
| Instrument Date | Jul 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 23 SUMMIT AVE CHELMSFORD MA 018243810, CHELMSFORD, MA 01824-3810 |
| Document Number | 32231-53 |
|---|---|
| Date | Jul 11, 2018 |
| Book Page | 032231/000053 |
| Instrument | 29222 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 10, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Property Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 31952-109 |
| Instrument Date | Mar 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | 31952-109 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 031952/000109 |
| Instrument | 11612 |
| Name | NORTHEAST HM LN |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Recording Date | Nov 15, 2017 |
| Property Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 31644-207 |
| Book / Page | 31644 / 207 |
| Instrument | 51277 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.37 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 SUMMIT AVE, CHELMSFORD, MA 01824-3810 |
| Document Number | 316440209 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 31644/0209 |
| Name | FBC MTG LLC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 15, 2047 |
The 2026 property tax bill for 23 Summit Ave was $12,422, up 8.2% from the year before.
Source: Middlesex County and Chelmsford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Chelmsford Town |
| Unified School District | Chelmsford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,422.00 (+8.18%) | $936,100 (+13.32%) Land $417,100 Building $519,000 | $884,545 (-) |
| 2025 | $11,483.00 (+1.76%) | $826,100 (-0.29%) Land $363,900 Building $462,200 | $884,545 (+2.33%) |
| 2024 | $11,284.00 (+2.38%) | $828,500 (+8.02%) Land $363,900 Building $464,600 | $864,405 |
| 2023 | $11,022.00 | $767,000 Land $391,000 Building $376,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Summit Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 | 7 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Jan 1979 · tidal / storm surge |
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 risk around 23 Summit Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 125 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 |
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