295 Independence Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 295 Independence Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,836 sqft · built 1942
Lot Size	0.849 acres (36,988 sqft)
Owner	Individual Name on Record
Last Sale	$930,000 (Apr 2011)
Tax Bill	$286 (2025)
Deeds & Mortgages	Dec 2021 Refinance Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`CONC M:9I B:4128`

Property Details

APN / Parcel Number

Primary APN	`CONC M:9I B:4128`
Alternative APNs	`M:00009I B:04128-00000` `3320`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,836 sqft Living Area
Gross Area	6,681 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,988 sqft (0.849 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3320
Street Address	295 INDEPENDENCE RD
City	CONCORD
State	MA
Zip	01742-2655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Subdivision	CONCORD LAND
Legal Block	4128
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2000
Census Tract	361300

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	295 INDEPENDENCE RD, CONCORD, MA 01742-2655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Dec 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2011 · Amount on Record
Deed Sale	Apr 28, 2011 · Amount on Record
Prior Sale	Mar 2, 1993 · Amount on Record
Deed Document Number	20117
Deed Book / Page	56789 / 383
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	295 INDEPENDENCE RD, CONCORD, MA 01742-2655
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079431-509
Date	Dec 28, 2021
Book Page	79431/509
Instrument	278299

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	295 INDEPENDENCE RD, CONCORD, MA 01742-2655
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079421-377
Date	Dec 24, 2021
Book Page	79421/377
Instrument	277341

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2041

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	$286.00 (-98.98%)	$2,160,700 (+0.76%) Land $1,077,900 Building $1,082,800	$2,255,870
2024	$28,156.00 (+28.53%)	$2,144,400 (+26.87%) Land $1,077,900 Building $1,066,500
2023	$21,906.00	$1,690,300 Land $881,800 Building $808,500

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
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

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 112 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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