381 Thoreau St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 381 Thoreau St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,863 sqft · built 2007
Lot Size	0.46 acres (20,019 sqft)
Owner	Individual Name on File
Last Sale	$2,220,000 (May 2026)
Tax Bill	$278 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10H B:215`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10H B:215`
Alternative APNs	`M:00010H B:00215-00000` `4301`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,863 sqft Living Area
Gross Area	8,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,019 sqft (0.46 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4301
Street Address	381 THOREAU ST
City	CONCORD
State	MA
Zip	01742-3639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	215
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3019
Census Tract	361300

Owner

Source: Middlesex County and Concord Town records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	381 THOREAU ST, CONCORD, MA 01742-3639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2021	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
May 8, 2026	Quit Claim Deed, Transfer · Conventional Mortgage INSTITUTION FOR SVGS NEWBURYPO
Nov 8, 2021	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
Nov 9, 2021	Quit Claim Deed, Transfer Quitclaim
Sep 18, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jul 13, 2012 · Amount on File
Deed Document Number	202652790
Deed Book / Page	85572 / 199
Prior Transfer Date	Oct 13, 2021
Prior Transfer Doc	79107-531
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	381 THOREAU ST, CONCORD, MA 01742-3639
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079094-378
Date	Nov 8, 2021
Book Page	79094/378
Instrument	244025

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.13%
Type Change Date	Dec 1, 2028
Index	Other

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	May 8, 2026
Property Address	381 THOREAU ST, CONCORD, MA 01742-3639
Document Number	085572-199
Book / Page	85572 / 199
Instrument Date	Apr 28, 2026
Instrument	2026.52790
Transaction Type	Transfer
Record Updated	May 28, 2026

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	Tenants by the Entirety
Address	381 THOREAU ST, CONCORD, MA 01742-3639
Investor	Possibly a Property Investor

Mortgage

Date	May 8, 2026

Lender

Name	INSTITUTION FOR SVGS NEWBURYPO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	381 THOREAU ST, CONCORD, MA 01742-3639
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79094-378
Date	Nov 8, 2021
Book Page	79094/378
Instrument	244025

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.13%
Type Change Date	Dec 1, 2028
Index	Other

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Nov 9, 2021
Property Address	381 THOREAU ST, CONCORD, MA 01742-3639
Document Number	79107-531
Book / Page	79107 / 531
Instrument Date	Oct 13, 2021
Instrument	245334
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	381 THOREAU ST, CONCORD, MA 01742-3639

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	381 THOREAU ST, CONCORD, MA 01742-3639
Document Number	69967-439
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	69967-439
Date	Sep 22, 2017
Book Page	069967/000439
Instrument	153745

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 21, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.88%

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	$278.00 (-99%)	$2,103,900 (-0.61%) Land $945,200 Building $1,158,700	$2,566,995
2024	$27,794.00	$2,116,800 Land $945,200 Building $1,171,600

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
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	Severe Storms And Flooding, Mar 2010 · 3 claims Extreme Weather Conditons And Flooding, Oct 1996 · 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	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	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 41 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 and 4G LTE (outdoors only)

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