31 Alford Cir, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 31 Alford Cir, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,810 sqft · built 1990
Lot Size	1.83 acres (80,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,675,000 (Jun 2018)
Tax Bill	$33,995 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:00013E B:03106-00026`

Property Details

APN / Parcel Number

Primary APN	`M:00013E B:03106-00026`
Alternative APNs	`CONC M:13E B:3106 L:26` `6206`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,810 sqft Living Area
Gross Area	11,592 sqft
Basement Area	3,284 sqft
Unfinished Basement	3,284 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,000 sqft (1.83 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6206
Street Address	31 ALFORD CIR
City	CONCORD
State	MA
Zip	01742-4143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Block	3106
Legal Lot Number	26
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4004
Census Tract	361100

Owner

31 Alford Cir is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit INSTITUTION FOR SAVINGS
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage INSTITUTION FOR SAVINGS
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit METRO CU
Jun 20, 2019	Deed of Trust, Mortgage BANK OF AMERICA
Jun 29, 2018	Quit Claim Deed, Transfer BANK OF NEW HAMPSHIRE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on File
Deed Sale	Jun 29, 2018 · Amount on File
Prior Sale	Jul 9, 1997 · Amount on File
Deed Document Number	201896760
Deed Book / Page	71250 / 104
Transfer Doc	071250-104
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Recording Date	Sep 15, 2026
Property Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Document Number	0000117053
Book / Page	86139 / 115
Instrument Date	Sep 10, 2026
Instrument	2026117053
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ALFORD CIR, CONCORD, MA 01742-4143

Mortgage

Document Number	0000117053,
Date	Sep 15, 2026
Book Page	86139/115
Instrument	2026117053

Lender

Name	INSTITUTION FOR SAVINGS

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Recording Date	Sep 15, 2026
Property Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Document Number	0000117052
Book / Page	86139 / 98
Instrument Date	Sep 10, 2026
Instrument	2026117052
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ALFORD CIR, CONCORD, MA 01742-4143

Mortgage

Document Number	0000117052,
Date	Sep 15, 2026
Book Page	86139/98
Instrument	2026117052

Lender

Name	INSTITUTION FOR SAVINGS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Type Change Date	Oct 1, 2031
Index	1-Year CMT
Margin	3
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081432-447
Date	Apr 18, 2023
Book Page	81432/447
Instrument	38097

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	265 Months
Due	May 1, 2045

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Document Number	72818-352
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	31 ALFORD CIR CONCORD MA 017424143, CONCORD, MA 01742-4143

Mortgage

Document Number	72818-352
Date	Jun 25, 2019
Book Page	072818/000352
Instrument	87738

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2049

Interest

Rate Type	Adjustable Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jun 29, 2018
Property Address	31 ALFORD CIR, CONCORD, MA 01742-4143
Document Number	71250-104
Book / Page	71250 / 104
Instrument	96760
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	$203.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ALFORD CIR, CONCORD, MA 01742-4143

Mortgage

Document Number	712500107
Date	Jun 29, 2018
Instrument	71250/0107

Lender

Name	BANK OF NEW HAMPSHIRE
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2048

Interest

Rate	3.5%
Max Rate At Change	70.1%
Max Rate	3%

Tax Assessment & Valuation

The 2026 property tax bill for 31 Alford Cir was $33,995, up 10,170.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Concord Town
Elementary School District	Concord School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$33,995.00 (+10,170.39%)	$2,605,000 (+4.16%) Land $607,400 Building $1,997,600	$2,629,652 (+15.39%)
2025	$331.00 (-98.98%)	$2,501,000 (+1.05%) Land $578,400 Building $1,922,600	$2,278,955
2024	$32,498.00 (+23.67%)	$2,475,100 (+22.07%) Land $578,400 Building $1,896,700
2023	$26,278.00	$2,027,600 Land $525,700 Building $1,501,900

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

Flood

FEMA maps place 31 Alford Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 31 Alford Cir 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CONCORD WATER DEPT serves 18,788 people · EPA ID MA3067000
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jul 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 44 locations within half a mile, as of December 31, 2025

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

May also be available: Concord Light Broadband.

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