34 Bruce Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 34 Bruce Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,284 sqft · built 1953
Lot Size	0.469 acres (20,436 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Sep 2002)
Tax Bill	$160 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:11G B:402`

Property Details

APN / Parcel Number

Primary APN	`CONC M:11G B:402`
Alternative APNs	`M:00011G B:00402-00000` `4737`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,284 sqft Living Area
Gross Area	4,501 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1972
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,436 sqft (0.469 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4737
Street Address	34 BRUCE RD
City	CONCORD
State	MA
Zip	01742-3508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	402
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1020
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	2 Individual Names on Record
Mailing Address	34 BRUCE RD, CONCORD, MA 01742-3508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK
Feb 7, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
May 29, 2019	Deed of Trust, Mortgage · Line of Credit UNITED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2002 · Amount on Record
Deed Sale	Sep 30, 2002 · Amount on Record
Deed Document Number	2002194
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	34 BRUCE RD, CONCORD, MA 01742-3508
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080490-471
Date	Jul 27, 2022
Book Page	80490/471
Instrument	114315

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	34 BRUCE RD, CONCORD, MA 01742-3508
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079653-125
Date	Feb 7, 2022
Book Page	79653/125
Instrument	20549

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	34 BRUCE RD, CONCORD, MA 01742-3508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72665-311
Date	May 29, 2019
Book Page	72665/311
Instrument	69889

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$160.00 (-98.99%)	$1,212,200 (-) Land $633,200 Building $579,000	$2,002,980
2024	$15,916.00 (+8.94%)	$1,212,200 (+7.53%) Land $633,200 Building $579,000
2023	$14,610.00	$1,127,300 Land $575,700 Building $551,600

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	8 in force
Nearby Flood Claims	5 (1978–2010)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Concord Light Broadband Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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