3 Rack Rd, Chelmsford, MA 01824 Property Records

Middlesex County and Chelmsford Town property record for 3 Rack Rd, Chelmsford, MA 01824

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 1966
Lot Size	1.87 acres (81,457 sqft)
Owner	2 Trust Names on File
Last Sale	$409,900 (Oct 2013)
Tax Bill	$8,608 (2026)
Deeds & Mortgages	Oct 2021 Refinance Nov 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12118`

Property Details

APN / Parcel Number

Primary APN	`12118`
Alternative APN	`CHEL M:0080 B:0318 L:2`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,266 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	1,266 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,457 sqft (1.87 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	12118
Street Address	3 RACK RD
City	CHELMSFORD
State	MA
Zip	01824-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	318
Legal Lot Number	2
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	2
Census Block	2010
Census Tract	317201

Owner

3 Rack Rd is owner-occupied and held in a trust since October 2022.

Source: Middlesex County and Chelmsford Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Nov 10, 2025	Deed, Transfer
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Dec 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Feb 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2013 · Amount on File
Deed Sale	Oct 17, 2013 · Amount on File
Prior Sale	Oct 17, 2013 · Amount on File
Deed Book / Page	27757 / 109
Last Transfer Date	Oct 17, 2022
Transfer Doc	0037466-14
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036426-201
Date	Oct 26, 2021
Book Page	36426/201
Instrument	62499

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHELMSFORD MA
Recording Date	Nov 10, 2025
Property Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Document Number	0039657-29
Book / Page	39657 / 29
Instrument Date	Oct 10, 2025
Instrument	36217
Transaction Type	Transfer
Record Updated	Dec 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RACK RD, CHELMSFORD, MA 01824-1923

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36426-201
Date	Oct 26, 2021
Book Page	36426/201
Instrument	62499

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35016-210
Date	Dec 7, 2020
Book Page	35016/210
Instrument	63580

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	3 RACK RD, CHELMSFORD, MA 01824-1923
Document Number	32764-190
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 RACK RD CHELMSFORD MA 018241923, CHELMSFORD, MA 01824-1923

Mortgage

Document Number	32764-190
Date	Feb 12, 2019
Book Page	032764/000190
Instrument	5459

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 11, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 3 Rack Rd was $8,608, up 0.6% from the year before.

Source: Middlesex County and Chelmsford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Chelmsford Town
Unified School District	Chelmsford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,608.00 (+0.58%)	$648,700 (+5.36%) Land $366,200 Building $282,500	$688,370 (-)
2025	$8,558.00 (+1.78%)	$615,700 (-0.26%) Land $333,800 Building $281,900	$688,370 (+14.98%)
2024	$8,408.00 (+6.13%)	$617,300 (+11.97%) Land $333,800 Building $283,500	$598,690
2023	$7,922.00	$551,300 Land $339,900 Building $211,400

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

Flood

FEMA maps place 3 Rack Rd in Zone X, an area of minimal flood risk.

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	1 in force

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 3 Rack Rd is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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	CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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