3 Stephen Ln Dr, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 3 Stephen Ln Dr, Bedford, MA 01730

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,789 sqft · built 2006
Lot Size	2.13 acres (92,932 sqft)
Owner	2 Individual Names on File
Last Sale	$498,000 (Oct 2015)
Tax Bill	$76 (2025)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:009 P:0053-3`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:009 P:0053-3`
Alternative APN	`M:009 P:0053=3`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,789 sqft Living Area
Gross Area	3,513 sqft
1st Floor Area	1,794 sqft
Basement Area	1,267 sqft
Unfinished Basement	1,267 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	92,932 sqft
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 STEPHEN LANE DR
City	BEDFORD
State	MA
Zip	01730-1070
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4012
Census Tract	359303

Owner

3 Stephen Ln Dr, a condominium, is owned and occupied by two individuals who bought it in October 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
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 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Aug 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Nov 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Dec 30, 2019	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK
Aug 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2015 · Amount on File
Deed Sale	Oct 29, 2015 · Amount on File
Prior Sale	Sep 25, 2006 · Amount on File
Deed Book / Page	66304 / 226
Transfer Doc	066304-226
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078417-179
Date	Aug 6, 2021
Book Page	78417/179
Instrument	176728

Lender

Name	NEW FED MORTGAGE CORP

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78417-179
Date	Aug 6, 2021
Book Page	78417/179
Instrument	176728

Lender

Name	NEW FED MORTGAGE CORP

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73583-481
Date	Nov 4, 2019
Book Page	73583/481
Instrument	171178

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2039

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73909-97
Date	Dec 30, 2019
Book Page	73909/97
Instrument	207840

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 STEPHEN LANE DR, BEDFORD, MA 01730-1070
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75490-368
Date	Aug 31, 2020
Book Page	75490/368
Instrument	149944

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 3 Stephen Ln Dr was $76, down 98.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$76.00 (-98.94%)	$631,300 (+4.12%) Building $631,300	$752,400
2024	$7,203.00 (+1.78%)	$606,300 (+6.91%) Building $606,300
2023	$7,077.00	$567,100 Building $567,100

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

Flood

FEMA maps place 3 Stephen Ln Dr 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 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 Stephen Ln Dr 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	BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

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. 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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