38 Pine St, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 38 Pine St, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,848 sqft · built 1972
Lot Size	0.693 acres (30,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$935,000 (Nov 2023)
Tax Bill	$100 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:073 P:0112-A`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:073 P:0112-A`
Alternative APN	`M:073 P:0112=A`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	3,640 sqft
1st Floor Area	1,023 sqft
Basement Area	1,023 sqft
Unfinished Basement	1,023 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,187 sqft (0.693 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	38 PINE ST
City	BEDFORD
State	MA
Zip	01730-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
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	38 PINE ST, BEDFORD, MA 01730-2818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	Mar 31, 1972 · Amount on Record
Deed Document Number	2023134992
Deed Book / Page	82247 / 474
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Nov 27, 2023
Property Address	38 PINE ST, BEDFORD, MA 01730-2818
Document Number	082247-474
Book / Page	82247 / 474
Instrument Date	Nov 27, 2023
Instrument	134992
Transaction Type	Transfer
Record Updated	Dec 15, 2023

Transaction

Amount	Amount Recorded
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	Tenants by the Entirety
Address	38 PINE ST, BEDFORD, MA 01730-2818

Mortgage

Document Number	0000134993
Date	Nov 27, 2023
Instrument	134993

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.88%
Type Change Date	Dec 1, 2030
Max Rate At Change	2.75%
Index	1-Year CMT

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	$100.00 (-98.94%)	$833,500 (+5.01%) Land $529,400 Building $304,100	$870,485
2024	$9,429.00 (+0.19%)	$793,700 (+5.25%) Land $504,200 Building $289,500
2023	$9,411.00	$754,100 Land $476,200 Building $277,900

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
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	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	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 116 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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