32 Pine Rd, Westford, MA 01886 Property Records

Middlesex County and Westford Town property record for 32 Pine Rd, Westford, MA 01886

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,372 sqft · built 1982
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Jul 2017)
Tax Bill	$8,504 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WFOR M:0069.0 P:0117 S:0000`

Property Details

APN / Parcel Number

Primary APN	`WFOR M:0069.0 P:0117 S:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,372 sqft Living Area
Gross Area	2,164 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 PINE RD
City	WESTFORD
State	MA
Zip	01886-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Jurisdiction	WESTFORD MA
Township / Civil Division	WESTFORD
Census Block Group	1
Census Block	1003
Census Tract	318100

Owner

32 Pine Rd is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	32 PINE RD, WESTFORD, MA 01886-1626
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
Dec 29, 2022	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance SEMPER HOME LOANS INC
Apr 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LUXURY MORTGAGE CORP
Jul 20, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2017 · Amount on File
Deed Sale	Jul 20, 2017 · Amount on File
Prior Sale	Dec 14, 2005 · Amount on File
Deed Book / Page	31305 / 58
Transfer Doc	0031305-58
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	32 PINE RD, WESTFORD, MA 01886-1626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037602-215
Date	Dec 29, 2022
Book Page	37602/215
Instrument	52356

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	32 PINE RD, WESTFORD, MA 01886-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35074-107
Date	Dec 18, 2020
Book Page	35074/107
Instrument	66251

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	32 PINE RD, WESTFORD, MA 01886-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34014-34
Date	Apr 13, 2020
Book Page	34014/34
Instrument	15566

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFORD MA
Recording Date	Jul 20, 2017
Property Address	32 PINE RD, WESTFORD, MA 01886-1626
Document Number	31305-58
Book / Page	031305 / 000058
Instrument Date	Jul 11, 2017
Instrument	31049
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 PINE RD WESTFORD MA 018861626, WESTFORD, MA 01886-1626

Mortgage

Document Number	31305-63
Date	Jul 20, 2017
Book Page	031305/000063
Instrument	31050

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 32 Pine Rd was $8,504, up 4.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,504.00 (+4.73%)	$648,700 (+7.61%) Land $287,700 Building $361,000	$688,750
2025	$8,120.00 (+2.55%)	$602,800 (+4.83%) Land $282,000 Building $320,800
2024	$7,918.00 (+0.85%)	$575,000 (+8.1%) Land $268,500 Building $306,500	$661,010
2023	$7,851.00	$531,900 Land $255,800 Building $276,100

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

Flood

FEMA maps place 32 Pine Rd 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
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.

Wildfire

Wildfire risk around 32 Pine Rd 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 97% of the US · lower than 94% 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	WESTFORD WATER DEPARTMENT serves 18,848 people · EPA ID MA3330000
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 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 (outdoors only) and 4G LTE

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