231 Commonwealth Ave, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 231 Commonwealth Ave, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,397 sqft · built 1908
Lot Size	0.162 acres (7,062 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2011)
Tax Bill	$129 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:9D B:2135`

Property Details

APN / Parcel Number

Primary APN	`CONC M:9D B:2135`
Alternative APNs	`M:00009D B:02135-00000` `2203`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,397 sqft Living Area
Gross Area	4,135 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,062 sqft (0.162 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2203
Street Address	231 COMMONWEALTH AVE
City	CONCORD
State	MA
Zip	01742-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	2135
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4001
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	Individual Name on Record
Mailing Address	231 COMMONWEALTH AVE, CONCORD, MA 01742-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
May 31, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FLAGSTAR BANK FSB
Jul 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2011 · Amount on Record
Deed Sale	Jun 1, 2011 · Amount on Record
Deed Document Number	20119
Deed Book / Page	56938 / 418
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	231 COMMONWEALTH AVE, CONCORD, MA 01742-2007
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080801-328
Date	Oct 6, 2022
Book Page	80801/328
Instrument	150957

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	231 COMMONWEALTH AVE, CONCORD, MA 01742-2007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72685-247
Date	May 31, 2019
Book Page	72685/247
Instrument	72034

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	231 COMMONWEALTH AVE, CONCORD, MA 01742-2007
Document Number	69579-558
Book / Page	069579 / 000558
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69579-558
Date	Jul 11, 2017
Book Page	069579/000558
Instrument	106943

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

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	$129.00 (-98.97%)	$978,400 (+2.29%) Land $401,900 Building $576,500	$1,840,530
2024	$12,559.00 (+17.98%)	$956,500 (+16.45%) Land $401,900 Building $554,600
2023	$10,645.00	$821,400 Land $365,300 Building $456,100

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 95% of the US · lower than 90% 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	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.

Cell Coverage

5G (outdoors only) and 4G LTE

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