38 Smith St, Chelmsford, MA 01824 Property Records

Middlesex County and Chelmsford Town property record for 38 Smith St, Chelmsford, MA 01824

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,288 sqft · built 1900
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$339,000 (Sep 2016)
Tax Bill	$7,606 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`CHEL M:0040 B:0131 L:5`

Property Details

APN / Parcel Number

Primary APN	`CHEL M:0040 B:0131 L:5`
Alternative APN	`3934`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,288 sqft Living Area
Gross Area	2,217 sqft
1st Floor Area	929 sqft
Basement Area	599 sqft
Unfinished Basement	599 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3934
Street Address	38 SMITH ST
City	CHELMSFORD
State	MA
Zip	01824-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Subdivision	ALONZO L MELVIN ESTATE
Legal Block	131
Legal Lot Number	5
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	2
Census Block	2018
Census Tract	317203

Owner

38 Smith St is owned and occupied by an individual who bought it in September 2016.

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

Owner of Record	Individual Name on File
Mailing Address	38 SMITH ST, CHELMSFORD, MA 01824-1702
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2016 · Amount on File
Deed Sale	Sep 23, 2016 · Amount on File
Prior Sale	Mar 14, 2014 · Amount on File
Deed Book / Page	30468 / 71
Transfer Doc	0030468-71
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	38 SMITH ST, CHELMSFORD, MA 01824-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037285-210
Date	Aug 8, 2022
Book Page	37285/210
Instrument	33492

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 38 Smith St was $7,606, up 15.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,606.00 (+15.29%)	$573,200 (+20.78%) Land $302,800 Building $270,400	$599,830 (-)
2025	$6,597.00 (+4.32%)	$474,600 (+2.22%) Land $275,800 Building $198,800	$599,830 (+0.32%)
2024	$6,324.00 (-0.19%)	$464,300 (+5.31%) Land $275,800 Building $188,500	$597,930
2023	$6,336.00	$440,900 Land $296,500 Building $144,400

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

Flood

FEMA maps place 38 Smith St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1978–1984)
Most Recent Claim	Mar 1984 · rainfall accumulation

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

Wildfire risk around 38 Smith St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20