Middlesex County and Concord Town property record for 31 Central St, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,573 sqft · built 1896 |
| Lot Size | 0.185 acres (8,045 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,400,000 (Nov 2017) |
| Tax Bill | $25,878 (2026) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | CONC M:10D B:2543 |
| Primary APN | CONC M:10D B:2543 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 3,573 sqft Living Area |
| Gross Area | 6,456 sqft |
| Basement Area | 1,434 sqft |
| Unfinished Basement | 1,434 sqft |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1896 |
| Architectural Style | Split Level |
| Lot Area | 8,045 sqft (0.185 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 3710 |
|---|---|
| Street Address | 31 CENTRAL ST |
| City | CONCORD |
| State | MA |
| Zip | 01742-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Block | 2543 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 361200 |
31 Central St is owned and occupied by two individuals who bought it in November 2017.
Source: Middlesex County and Concord Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 CENTRAL ST, CONCORD, MA 01742-3014 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2017 · Amount on File |
| Deed Sale | Nov 15, 2017 · Amount on File |
| Prior Sale | Jun 30, 2006 · Amount on File |
| Deed Book / Page | 70238 / 518 |
| Transfer Doc | 070238-518 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 31 CENTRAL ST, CONCORD, MA 01742-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 76360-260 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 76360/260 |
| Instrument | 231733 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 31 Central St was $25,878, up 9,777.1% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25,878.00 (+9,777.1%) | $1,983,000 (+0.16%) Land $548,000 Building $1,435,000 | $1,965,275 (+8.29%) |
| 2025 | $262.00 (-98.97%) | $1,979,800 (+2.33%) Land $521,900 Building $1,457,900 | $1,814,785 |
| 2024 | $25,404.00 (+17.07%) | $1,934,800 (+15.55%) Land $521,900 Building $1,412,900 | |
| 2023 | $21,700.00 | $1,674,400 Land $474,400 Building $1,200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 20 units insured incl. 16 condo units |
| Nearby Flood Claims | 2 (1990–2010) |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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.
The area around 31 Central St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Concord Light Broadband Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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