31 Oxbow Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 31 Oxbow Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,851 sqft · built 1954
Lot Size	0.958 acres (41,742 sqft)
Owner	Individual Name on Record
Tax Bill	$156 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Mar 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:13F B:3596`

Property Details

APN / Parcel Number

Primary APN	`CONC M:13F B:3596`
Alternative APNs	`M:00013F B:03596-00000` `5427`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,851 sqft Living Area
Gross Area	6,025 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,742 sqft (0.958 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5427
Street Address	31 OXBOW RD
City	CONCORD
State	MA
Zip	01742-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	CONCORD
Legal Block	3596
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5012
Census Tract	361100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	31 OXBOW RD, CONCORD, MA 01742-4926
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Feb 7, 2019	Deed of Trust, Mortgage · Balloon Mortgage CAMBRIDGE SAVINGS BANK
Nov 20, 2017	Deed of Trust, Mortgage METRO CU
Aug 23, 2017	Deed of Trust, Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 OXBOW RD, CONCORD, MA 01742-4926
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78629-164
Date	Sep 3, 2021
Book Page	78629/164
Instrument	198120

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 OXBOW RD, CONCORD, MA 01742-4926
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77360-1
Date	Mar 29, 2021
Book Page	77360/1
Instrument	69402

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 OXBOW RD, CONCORD, MA 01742-4926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72207-116
Date	Feb 7, 2019
Book Page	72207/116
Instrument	16097

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 OXBOW RD, CONCORD, MA 01742-4926
Document Number	70292-281
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70292-281
Date	Nov 27, 2017
Book Page	070292/000281
Instrument	6

Lender

Name	METRO CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.99%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	31 OXBOW RD, CONCORD, MA 01742-4926
Document Number	69840-60
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69840-60
Date	Aug 28, 2017
Book Page	069840/000060
Instrument	137948

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.13%

Tax Assessment & Valuation

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
2025	$156.00 (-98.97%)	$1,179,000 (+1.95%) Land $632,800 Building $546,200	$1,240,890
2024	$15,185.00 (+6.07%)	$1,156,500 (+4.7%) Land $632,800 Building $523,700
2023	$14,316.00	$1,104,600 Land $595,000 Building $509,600

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

Flood

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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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.

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 93 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

Cell Coverage

5G (outdoors only) and 4G LTE

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