26 Gray Ter, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 26 Gray Ter, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,132 sqft · built 1958
Lot Size	0.394 acres (17,158 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Sep 2007)
Tax Bill	$76 (2025)
Deeds & Mortgages	Sep 2021 Refinance May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:073 P:0008`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:073 P:0008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,128 sqft
Basement Area	1,116 sqft
Unfinished Basement	1,116 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,158 sqft (0.394 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	26 GRAY TER
City	BEDFORD
State	MA
Zip	01730-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2000
Census Tract	359100

Owner

26 Gray Ter is owned and occupied by two individuals who bought it in September 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	26 GRAY TER, BEDFORD, MA 01730-1933
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
Sep 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DEDHAM INSTITUTION FOR SAVINGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2007 · Amount on File
Deed Sale	Sep 4, 2007 · Amount on File
Prior Sale	Sep 9, 2002 · Amount on File
Deed Document Number	2007165810
Deed Book / Page	50053 / 230
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	26 GRAY TER, BEDFORD, MA 01730-1933
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78627-407
Date	Sep 3, 2021
Book Page	78627/407
Instrument	197992

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	26 GRAY TER, BEDFORD, MA 01730-1933
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74610-71
Date	May 5, 2020
Book Page	74610/71
Instrument	67398

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 26 Gray Ter was $76, 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	$76.00 (-98.94%)	$634,100 (+5.02%) Land $479,600 Building $154,500	$684,000
2024	$7,173.00 (+5.18%)	$603,800 (+10.48%) Land $456,700 Building $147,100
2023	$6,820.00	$546,500 Land $431,400 Building $115,100

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

Flood

FEMA maps place 26 Gray Ter in Zone X, an area of minimal flood risk, though there have been 16 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
Flood Insurance Cost	Premium on File 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

The area around 26 Gray Ter has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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