3 Willow Ln, Bedford, MA 01730 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,770 sqft · built 2017
Lot Size	0.762 acres (33,175 sqft)
Owner	2 Individual Names on File
Last Sale	$1,830,000 (Aug 2025)
Tax Bill	$21,175 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:009 P:0002-002`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:009 P:0002-002`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,770 sqft Living Area
Gross Area	7,645 sqft
Basement Area	1,541 sqft
Unfinished Basement	1,541 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Combination
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	33,175 sqft (0.762 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3 WILLOW LN
City	BEDFORD
State	MA
Zip	01730-1380
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4003
Census Tract	359303

Owner

3 Willow Ln is owned and occupied by two individuals who bought it in August 2025.

Source: Middlesex County and Bedford Town records, as of June 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 WILLOW LN, BEDFORD, MA 01730-1380
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 29, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 2, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Aug 2, 2019 · Amount on File
Deed Document Number	2025104990
Deed Book / Page	84560 / 169
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	3 WILLOW LN, BEDFORD, MA 01730-1380
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085165-100
Date	Jan 28, 2026
Book Page	85165/100
Instrument	9527

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2041

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Aug 29, 2025
Property Address	3 WILLOW LN, BEDFORD, MA 01730-1380
Document Number	084560-169
Book / Page	84560 / 169
Instrument Date	Aug 29, 2025
Instrument	104990
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 WILLOW LN, BEDFORD, MA 01730-1380

Mortgage

Document Number	0000104991
Date	Aug 29, 2025
Instrument	104991

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Sep 1, 2035
Index	Other

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Aug 2, 2019
Property Address	3 WILLOW LN, BEDFORD, MA 01730-1380
Document Number	73050-487
Book / Page	73050 / 487
Instrument Date	Jul 23, 2019
Instrument	114053
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WILLOW LN, BEDFORD, MA 01730-1380

Mortgage

Document Number	114054
Date	Aug 2, 2019
Instrument	114054

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 3 Willow Ln was $21,175, up 6.4% 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	$21,175.00 (+6.41%)	$1,758,700 (+5%) Land $510,800 Building $1,247,900	$1,665,635
2024	$19,899.00 (+8.8%)	$1,675,000 (+14.3%) Land $486,500 Building $1,188,500
2023	$18,289.00	$1,465,500 Land $457,900 Building $1,007,600

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

Flood

FEMA maps place 3 Willow Ln 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 Willow Ln 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	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 86 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 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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