Middlesex County and Concord Town property record for 38 Ash St, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,412 sqft · built 1950 |
| Lot Size | 0.509 acres (22,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jun 2012) |
| Tax Bill | $199 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | CONC M:7I B:947 |
| Primary APN | CONC M:7I B:947 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,412 sqft Living Area |
| Gross Area | 7,590 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,178 sqft (0.509 acres) |
| Garage Type | Basement |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1094 |
|---|---|
| Street Address | 38 ASH ST |
| City | CONCORD |
| State | MA |
| Zip | 01742-2641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Block | 947 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 361300 |
38 Ash St is owned and occupied by an individual who bought it in June 2012.
Source: Middlesex County and Concord Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 38 ASH ST, CONCORD, MA 01742-2641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Jun 25, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2012 · Amount on File |
| Deed Sale | Jun 28, 2012 · Amount on File |
| Deed Book / Page | 59408 / 411 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 38 ASH ST, CONCORD, MA 01742-2641 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 077081-405 |
|---|---|
| Date | Feb 26, 2021 |
| Book Page | 77081/405 |
| Instrument | 44039 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 38 ASH ST, CONCORD, MA 01742-2641 |
| Document Number | 75081-282 |
| Instrument Date | Jun 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 38 ASH ST CONCORD MA 017422641, CONCORD, MA 01742-2641 |
| Document Number | 75081-282 |
|---|---|
| Date | Jul 10, 2020 |
| Book Page | 075081/000282 |
| Instrument | 110531 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 9, 2045 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 38 Ash St was $199, down 99% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $199.00 (-98.97%) | $1,504,500 (+2.65%) Land $581,200 Building $923,300 | $1,665,920 |
| 2024 | $19,245.00 (+17.05%) | $1,465,700 (+15.54%) Land $542,400 Building $923,300 | |
| 2023 | $16,441.00 | $1,268,600 Land $516,600 Building $752,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Ash St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1984.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 11 (1984–2012) |
| Claims Outside the SFHA | 4 of 11 |
| Most Recent Claim | Oct 2012 · Hurricane Sandy |
| Claims by Event |
|
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 risk around 38 Ash St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 198 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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