397 River Rd, Carlisle, MA 01741 Property Records

Middlesex County and Carlisle Town property record for 397 River Rd, Carlisle, MA 01741

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 8,566 sqft · built 1840
Lot Size	7 acres (304,920 sqft)
Owner	2 Individual Names on File
Last Sale	$2,247,500 (Feb 2019)
Tax Bill	$39,613 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CARL M:0001 B:0008 L:5`

Property Details

APN / Parcel Number

Primary APN	`CARL M:0001 B:0008 L:5`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	8,566 sqft Living Area
Gross Area	13,777 sqft
Basement Area	2,347 sqft
Unfinished Basement	2,347 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	304,920 sqft (7 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Street Address	397 RIVER RD
City	CARLISLE
State	MA
Zip	01741-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2AC
Legal Subdivision	CARLISLE
Legal Block	8
Legal Lot Number	5
Jurisdiction	CARLISLE MA
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2036
Census Tract	362100

Owner

397 River Rd is owned and occupied by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	397 RIVER RD, CARLISLE, MA 01741-1819
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 28, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 1, 2019	Quit Claim Deed, Transfer BANK OF NY MELLON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2019 · Amount on File
Deed Sale	Feb 1, 2019 · Amount on File
Prior Sale	Aug 31, 2009 · Amount on File
Deed Book / Page	32745 / 139
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLISLE MA
Property Address	397 RIVER RD, CARLISLE, MA 01741-1819
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038255-248
Date	Dec 28, 2023
Book Page	38255/248
Instrument	38284

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLISLE MA
Recording Date	Feb 1, 2019
Property Address	397 RIVER RD, CARLISLE, MA 01741-1819
Document Number	32745-139
Book / Page	032745 / 000139
Instrument Date	Feb 1, 2019
Instrument	4186
Transaction Type	Transfer
Record Updated	Feb 19, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,248.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	397 RIVER RD CARLISLE MA 017411819, CARLISLE, MA 01741-1819

Mortgage

Document Number	32745-142
Date	Feb 1, 2019
Book Page	032745/000142
Instrument	4187

Lender

Name	BANK OF NY MELLON
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 397 River Rd was $39,613, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Carlisle Town
Elementary School District	Carlisle 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
2026	$39,613.00 (+2.91%)	$3,089,900 (+5.8%) Land $709,800 Building $2,380,100	$3,236,745 (-)
2025	$38,491.00 (+0.21%)	$2,920,400 (+1.35%) Land $684,800 Building $2,235,600	$3,236,745 (+25.85%)
2024	$38,410.00 (+3.6%)	$2,881,500 (+9.97%) Land $663,100 Building $2,218,400	$2,571,935
2023	$37,077.00	$2,620,300 Land $616,300 Building $2,004,000

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

Flood

FEMA maps place 397 River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 397 River Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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