Middlesex County and Pepperell Town property record for 3 Spaulding Ln, Pepperell, MA 01463 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,597 sqft · built 2016 |
| Lot Size | 2.3 acres (100,249 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $514,685 (Apr 2017) |
| Tax Bill | $10,422 (2025) |
| Deeds & Mortgages | Mar 2022 Refinance Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0035 B:0021 L:00005 |
| Primary APN | PEPP M:0035 B:0021 L:00005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,597 sqft Living Area |
| Gross Area | 4,700 sqft |
| Basement Area | 1,566 sqft |
| Unfinished Basement | 335 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 100,249 sqft (2.3 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3 SPAULDING LN |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 21 |
| Legal Lot Number | 5 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 327103 |
Source: Middlesex County and Pepperell Town records · APN PEPP M:0035 B:0021 L:00005
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3 SPAULDING LN, GROTON, MA 01450-1138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 01, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance LADERA LENDING |
| Feb 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance USAA FSB |
| Jan 09, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 23, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Apr 07, 2017 | Quit Claim Deed, Transfer · VA Mortgage USAA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2017 · Amount on Record |
| Deed Sale | Apr 07, 2017 · Amount on Record |
| Deed Book / Page | 69113 / 292 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 SPAULDING LN, PEPPERELL, MA 01463-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079756-425 |
|---|---|
| Date | Mar 01, 2022 |
| Book Page | 79756/425 |
| Instrument | 31708 |
| Name | LADERA LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 SPAULDING LN, PEPPERELL, MA 01463-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076967-122 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 76967/122 |
| Instrument | 34215 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 SPAULDING LN, PEPPERELL, MA 01463-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085102-539 |
|---|---|
| Date | Jan 09, 2026 |
| Book Page | 85102/539 |
| Instrument | 2598 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 3 SPAULDING LN, PEPPERELL, MA 01463-1344 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083616-181 |
|---|---|
| Date | Dec 23, 2024 |
| Book Page | 83616/181 |
| Instrument | 146722 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 01, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Recording Date | Apr 07, 2017 |
| Property Address | 3 SPAULDING LN, PEPPERELL, MA 01463-1344 |
| Document Number | 69113-292 |
| Book / Page | 069113 / 000292 |
| Instrument Date | Apr 07, 2017 |
| Instrument | 51227 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,346.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 SPAULDING LN PEPPERELL MA 014631344, PEPPERELL, MA 01463-1344 |
| Document Number | 69113-296 |
|---|---|
| Date | Apr 07, 2017 |
| Book Page | 069113/000296 |
| Instrument | 51228 |
| Name | USAA |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 06, 2047 |
Source: Middlesex County and Pepperell Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,422.00 (+4.32%) | $712,400 (+2.33%) Land $198,300 Building $514,100 | $791,255 (+3.9%) |
| 2024 | $9,990.00 (-1.26%) | $696,200 (+4.19%) Land $182,100 Building $514,100 | $761,520 |
| 2023 | $10,117.00 | $668,200 Land $154,100 Building $514,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173271031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Nearby Flood Policies | 5 in force 4 of 5 on primary residences |
| Nearby Flood Claims | 8 (1985–2010) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Mar 2010, river or lake flooding, Severe Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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