322 Commonwealth Ave, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 322 Commonwealth Ave, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,509 sqft · built 1882
Lot Size	0.27 acres (11,742 sqft)
Owner	2 Individual Names on File
Last Sale	$798,500 (Dec 2019)
Tax Bill	$138 (2025)
Deeds & Mortgages	Dec 2021 Refinance Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CONC M:8D B:2162`

Property Details

APN / Parcel Number

Primary APN	`CONC M:8D B:2162`
Alternative APNs	`M:00008D B:02162-00000` `1413`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,509 sqft Living Area
Gross Area	4,157 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1955
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,742 sqft (0.27 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	1413
Street Address	322 COMMONWEALTH AVE
City	CONCORD
State	MA
Zip	01742-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	2162
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	4
Census Block	4002
Census Tract	361200

Owner

322 Commonwealth Ave is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	322 COMMONWEALTH AVE, CONCORD, MA 01742-2004
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 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BETTER MORTGAGE CORP
Dec 30, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on File
Deed Sale	Dec 30, 2019 · Amount on File
Prior Sale	May 10, 2011 · Amount on File
Deed Document Number	2019208624
Deed Book / Page	73915 / 474
Prior Transfer Date	Dec 19, 2019
Prior Transfer Doc	73915-474
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	322 COMMONWEALTH AVE, CONCORD, MA 01742-2004
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079308-61
Date	Dec 8, 2021
Book Page	79308/61
Instrument	265345

Lender

Name	BETTER MORTGAGE CORP

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Dec 30, 2019
Property Address	322 COMMONWEALTH AVE, CONCORD, MA 01742-2004
Document Number	73915-474
Book / Page	73915 / 474
Instrument Date	Dec 19, 2019
Instrument	208624
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 COMMONWEALTH AVE, CONCORD, MA 01742-2004

Mortgage

Document Number	208625
Date	Dec 30, 2019
Instrument	208625

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 322 Commonwealth Ave was $138, down 99% 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
2025	$138.00 (-98.97%)	$1,046,400 (+2.28%) Land $430,300 Building $616,100	$1,352,135
2024	$13,433.00 (+17.83%)	$1,023,100 (+16.31%) Land $430,300 Building $592,800
2023	$11,400.00	$879,600 Land $391,200 Building $488,400

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

Flood

FEMA maps place 322 Commonwealth Ave 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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force

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

The area around 322 Commonwealth Ave 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.

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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: Concord Light Broadband.

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