32 Pine St, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 32 Pine St, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,852 sqft · built 1960
Lot Size	0.694 acres (30,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,000 (Jun 2008)
Tax Bill	$94 (2025)
Deeds & Mortgages	Dec 2021 Refinance Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:073 P:0109`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:073 P:0109`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,852 sqft Living Area
Gross Area	4,028 sqft
1st Floor Area	1,849 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,218 sqft (0.694 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	32 PINE ST
City	BEDFORD
State	MA
Zip	01730-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Subdivision	BEDFORD
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2004
Census Tract	359100

Owner

Source: Middlesex County and Bedford 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	2 Individual Names on Record
Mailing Address	32 PINE ST, BEDFORD, MA 01730-2818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SIMMONS BANK
Jun 12, 2017	Deed of Trust, Mortgage BOKF NA
Aug 16, 2018	Deed of Trust, Mortgage · Line of Credit DIRECT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2008 · Amount on Record
Deed Sale	Jun 26, 2008 · Amount on Record
Deed Document Number	2008105124
Deed Book / Page	51361 / 538
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	32 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079321-198
Date	Dec 10, 2021
Book Page	79321/198
Instrument	266872

Lender

Name	SIMMONS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	32 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69414-371
Date	Jun 12, 2017
Book Page	69414/371
Instrument	87548

Lender

Name	BOKF NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	32 PINE ST, BEDFORD, MA 01730-2818
Document Number	71504-338
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 PINE ST BEDFORD MA 017302818, BEDFORD, MA 01730-2818

Mortgage

Document Number	71504-338
Date	Aug 21, 2018
Book Page	071504/000338
Instrument	128275

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$94.00 (-98.94%)	$782,300 (+5.01%) Land $529,600 Building $252,700	$824,600
2024	$8,851.00 (+6.84%)	$745,000 (+12.23%) Land $504,300 Building $240,700
2023	$8,284.00	$663,800 Land $476,300 Building $187,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	16 (1978–2010)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims

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 96% of the US · lower than 92% 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	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 182 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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