38 Harbor St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 38 Harbor St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,940 sqft · built 1987
Lot Size	3.95 acres (172,349 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Aug 2023)
Tax Bill	$7,988 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0067 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0032 B:0067 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,940 sqft Living Area
Gross Area	4,436 sqft
Basement Area	1,124 sqft
Unfinished Basement	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	172,349 sqft (3.95 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 HARBOR ST
City	PEPPERELL
State	MA
Zip	01463-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	67
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	3
Census Block	3010
Census Tract	327103

Owner

38 Harbor St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 HARBOR ST, PEPPERELL, MA 01463-1224
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANGOR SAVINGS BANK
Sep 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on File
Deed Sale	Aug 31, 2023 · Amount on File
Prior Sale	Aug 11, 2006 · Amount on File
Deed Document Number	202398752
Deed Book / Page	81952 / 254
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Aug 31, 2023
Property Address	38 HARBOR ST, PEPPERELL, MA 01463-1224
Document Number	081952-254
Book / Page	81952 / 254
Instrument Date	Aug 31, 2023
Instrument	98752
Transaction Type	Transfer
Record Updated	Sep 15, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	38 HARBOR ST, PEPPERELL, MA 01463-1224

Mortgage

Document Number	0000098753
Date	Aug 31, 2023
Instrument	98753

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	38 HARBOR ST, PEPPERELL, MA 01463-1224
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78676-210
Date	Sep 13, 2021
Book Page	78676/210
Instrument	202761

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 38 Harbor St was $7,988, down 0.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,988.00 (-0.47%)	$579,700 (+5.67%) Land $165,000 Building $414,700	$576,365 (-)
2025	$8,026.00 (+11.55%)	$548,600 (+9.41%) Land $164,600 Building $384,000	$576,365 (+1.57%)
2024	$7,195.00 (+7.47%)	$501,400 (+13.39%) Land $148,900 Building $352,500	$567,435
2023	$6,695.00	$442,200 Land $126,100 Building $316,100

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

Flood

FEMA maps place 38 Harbor St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 Harbor St is low, with a 0.02% 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	0.02% 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	PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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