25 Stow St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 25 Stow St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,884 sqft · built 2018
Lot Size	0.198 acres (8,609 sqft)
Owner	2 Individual Names on File
Last Sale	$2,850,000 (Aug 2026)
Tax Bill	$288 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:9H B:812`

Property Details

APN / Parcel Number

Primary APN	`CONC M:9H B:812`
Alternative APNs	`M:00009H B:00812-00000` `3116`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,884 sqft Living Area
Gross Area	4,958 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,609 sqft (0.198 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3116
Street Address	25 STOW ST
City	CONCORD
State	MA
Zip	01742-2416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	812
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2011
Census Tract	361300

Owner

25 Stow St is owned and occupied by two individuals who bought it in August 2026.

Source: Middlesex County and Concord Town records, as of August 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 STOW ST, CONCORD, MA 01742-2416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 7, 2026	Quit Claim Deed, Transfer
Mar 18, 2020	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK
Dec 3, 2018	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK
Oct 7, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Feb 28, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Oct 7, 2020 · Amount on File
Deed Document Number	202699802
Deed Book / Page	85990 / 45
Prior Transfer Date	Aug 1, 2026
Prior Transfer Doc	0000099802
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Aug 7, 2026
Property Address	25 STOW ST, CONCORD, MA 01742-2416
Document Number	0000099802
Book / Page	85990 / 45
Instrument Date	Aug 1, 2026
Instrument	202699802
Transaction Type	Transfer
Record Updated	Aug 26, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25 STOW ST, CONCORD, MA 01742-2416
Investor	Possibly a Property Investor

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	25 STOW ST, CONCORD, MA 01742-2416
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074304-419
Date	Mar 18, 2020
Book Page	74304/419
Instrument	40075

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	25 STOW ST, CONCORD, MA 01742-2416
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071958-411
Date	Dec 3, 2018
Book Page	71958/411
Instrument	183763

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2039

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Oct 7, 2020
Property Address	25 STOW ST, CONCORD, MA 01742-2416
Document Number	075832-237
Book / Page	75832 / 237
Instrument Date	Sep 11, 2020
Instrument	181655
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	$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	25 STOW ST, CONCORD, MA 01742-2416

Mortgage

Document Number	0000181658
Date	Oct 7, 2020
Instrument	181658

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Nov 1, 2030
Max Rate At Change	2.25%
Index	LIBOR

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Feb 28, 2017
Property Address	25 STOW ST, CONCORD, MA 01742-2416
Document Number	68946-295
Book / Page	068946 / 000295
Instrument Date	Feb 22, 2017
Instrument	30709
Transaction Type	Transfer
Record Updated	Mar 21, 2017

Transaction

Amount	Amount on Record
Tax	$4,696.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 STOW ST CONCORD MA 017422416, CONCORD, MA 01742-2416

Tax Assessment & Valuation

The 2025 property tax bill for 25 Stow St was $288, down 99% from the year before.

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	$288.00 (-99%)	$2,172,800 (-0.49%) Land $1,156,600 Building $1,016,200	$2,468,765
2024	$28,669.00 (+8.44%)	$2,183,500 (+7.04%) Land $1,156,600 Building $1,026,900
2023	$26,437.00	$2,039,900 Land $1,051,400 Building $988,500

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

Flood

FEMA maps place 25 Stow St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.

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	9 in force
Nearby Flood Claims	7 (1978–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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 25 Stow St 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	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 289 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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