39 Mildred Cir, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 39 Mildred Cir, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,468 sqft · built 2016
Lot Size	0.921 acres (40,127 sqft)
Owner	2 Individual Names on File
Last Sale	$1,881,900 (Jul 2017)
Tax Bill	$322 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10I B:260`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10I B:260`
Alternative APNs	`M:00010I B:00260-00000` `4366`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,468 sqft Living Area
Gross Area	7,833 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,127 sqft (0.921 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4366
Street Address	39 MILDRED CIR
City	CONCORD
State	MA
Zip	01742-3733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	CONCORD
Legal Block	260
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3009
Census Tract	361300

Owner

39 Mildred Cir is owned and occupied by two individuals who bought it in July 2017.

Source: Middlesex County and Concord Town records, as of April 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39 MILDRED CIR, CONCORD, MA 01742-3733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Mar 24, 2020	Deed of Trust, Mortgage · ARM UBS BANK USA
Jul 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on File
Deed Sale	Jul 11, 2017 · Amount on File
Prior Sale	Jul 30, 2015 · Amount on File
Deed Document Number	2017106755
Deed Book / Page	69578 / 383
Transfer Doc	069578-383
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	39 MILDRED CIR, CONCORD, MA 01742-3733
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081057-552
Date	Dec 14, 2022
Book Page	81057/552
Instrument	181763

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Recording Date	Apr 3, 2026
Property Address	39 MILDRED CIR, CONCORD, MA 01742-3733
Document Number	0085431-64
Book / Page	85431 / 64
Instrument Date	Mar 23, 2026
Instrument	202637319
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 MILDRED CIR, CONCORD, MA 01742-3733

Mortgage

Document Number	0000037319,
Date	Apr 3, 2026
Book Page	85431/64
Instrument	202637319

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	39 MILDRED CIR, CONCORD, MA 01742-3733
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74341-151
Date	Mar 24, 2020
Book Page	74341/151
Instrument	43589

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2027

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jul 11, 2017
Property Address	39 MILDRED CIR, CONCORD, MA 01742-3733
Document Number	69578-383
Book / Page	69578 / 383
Instrument	106755
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.08
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 MILDRED CIR, CONCORD, MA 01742-3733

Mortgage

Document Number	695780386
Date	Jul 11, 2017
Instrument	69578/0386

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Interest

Rate	3.88%
Max Rate At Change	80.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2025 property tax bill for 39 Mildred Cir was $322, down 99% from the year before.

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	$322.00 (-98.98%)	$2,431,800 (+0.8%) Land $725,700 Building $1,706,100	$2,495,555
2024	$31,677.00 (+22.47%)	$2,412,600 (+20.88%) Land $725,700 Building $1,686,900
2023	$25,866.00	$1,995,800 Land $659,700 Building $1,336,100

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

Flood

FEMA maps place 39 Mildred Cir 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	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

Wildfire risk around 39 Mildred Cir 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	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 46 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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