Middlesex County and Pepperell Town property record for 3 James Cir, Pepperell, MA 01463
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3.5 ba · 3,876 sqft · built 1978 |
| Lot Size | 0.927 acres (40,380 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $322,000 (Apr 2004) |
| Tax Bill | $10,233 (2026) |
| Deeds & Mortgages | Apr 2025 Mortgage May 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0031 B:0081 L:00000 |
| Primary APN | PEPP M:0031 B:0081 L:00000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,876 sqft Living Area |
| Gross Area | 6,841 sqft |
| Basement Area | 2,422 sqft |
| Unfinished Basement | 2,014 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,380 sqft (0.927 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 JAMES CIR |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1720 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SUR |
| Legal Block | 81 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 327102 |
Source: Middlesex County and Pepperell Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2025 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| May 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage TOP FLITE FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2004 · Amount on Record |
| Deed Sale | Apr 30, 2004 · Amount on Record |
| Prior Sale | Jun 30, 1997 · Amount on Record |
| Deed Document Number | 2004105196 |
| Deed Book / Page | 42656 / 280 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 083990-397 |
|---|---|
| Date | Apr 22, 2025 |
| Book Page | 83990/397 |
| Instrument | 41382 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 325 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081535-128 |
|---|---|
| Date | May 15, 2023 |
| Book Page | 81535/128 |
| Instrument | 49958 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jun 1, 2052 |
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,233.00 (+1.37%) | $742,600 (+7.62%) Land $166,900 Building $575,700 | $731,825 |
| 2025 | $10,095.00 (+8.88%) | $690,000 (+6.79%) Land $156,700 Building $533,300 | |
| 2024 | $9,272.00 (+10.05%) | $646,100 (+16.1%) Land $143,000 Building $503,100 | |
| 2023 | $8,425.00 | $556,500 Land $129,400 Building $427,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 10 (1982–2010) |
| Most Recent Claim | Apr 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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