295 Virginia Rd, Concord, MA 01742 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,953 sqft · built 1965
Lot Size	1.32 acres (57,860 sqft)
Owner	Individual Name on File
Last Sale	$765,000 (Aug 2013)
Tax Bill	$184 (2025)
Deeds & Mortgages	Aug 2023 Refinance May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`CONC M:7K B:4285`

Property Details

APN / Parcel Number

Primary APN	`CONC M:7K B:4285`
Alternative APNs	`M:00007K B:04285-00000` `1303`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,953 sqft Living Area
Gross Area	7,108 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	57,860 sqft (1.32 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1303
Street Address	295 VIRGINIA RD
City	CONCORD
State	MA
Zip	01742-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	4285
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3001
Census Tract	361300

Owner

295 Virginia Rd is owned and occupied by an individual who bought it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	295 VIRGINIA RD, CONCORD, MA 01742-2716
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
Aug 29, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 8, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2013 · Amount on File
Deed Sale	Aug 30, 2013 · Amount on File
Deed Book / Page	62562 / 82
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	295 VIRGINIA RD, CONCORD, MA 01742-2716
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081940-171
Date	Aug 29, 2023
Book Page	81940/171
Instrument	97326

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	295 VIRGINIA RD, CONCORD, MA 01742-2716
Document Number	74701-68
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 VIRGINIA RD CONCORD MA 017422716, CONCORD, MA 01742-2716

Mortgage

Document Number	74701-68
Date	May 19, 2020
Book Page	074701/000068
Instrument	75357

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 295 Virginia Rd was $184, down 98.9% 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	$184.00 (-98.93%)	$1,388,100 (+5.66%) Land $668,800 Building $719,300	$1,372,750
2024	$17,250.00 (+15.35%)	$1,313,800 (+13.86%) Land $624,200 Building $689,600
2023	$14,955.00	$1,153,900 Land $594,400 Building $559,500

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

Flood

FEMA maps place 295 Virginia Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1984–2012)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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 295 Virginia Rd 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	None beyond 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	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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Concord Light Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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