4 Howard Rd, Chelmsford, MA 01824 Property Records

Middlesex County and Chelmsford Town property record for 4 Howard Rd, Chelmsford, MA 01824

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,556 sqft · built 1961
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$284,900 (Jun 2013)
Tax Bill	$6,689 (2026)
Deeds & Mortgages	Oct 2021 Refinance Oct 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CHEL M:0127 B:0479 L:7`

Property Details

APN / Parcel Number

Primary APN	`CHEL M:0127 B:0479 L:7`
Alternative APN	`6692`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
Gross Area	1,892 sqft
1st Floor Area	1,556 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	6692
Street Address	4 HOWARD RD
City	CHELMSFORD
State	MA
Zip	01824-4714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	479
Legal Lot Number	7
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	2
Census Block	2028
Census Tract	317103

Owner

4 Howard Rd is owned and occupied by an individual who bought it in June 2013.

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

Owner of Record	Individual Name on File
Mailing Address	4 HOWARD RD, CHELMSFORD, MA 01824-4714
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

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOWELL FIVE CENTS SAVINGS BANK
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit LOWELL FIVE CENTS SAVINGS BANK
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2013 · Amount on File
Deed Sale	Jun 27, 2013 · Amount on File
Prior Sale	Jun 27, 2013 · Amount on File
Deed Book / Page	27429 / 276
Transfer Doc	2742000276
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	4 HOWARD RD, CHELMSFORD, MA 01824-4714
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036366-253
Date	Oct 12, 2021
Book Page	36366/253
Instrument	59581

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	4 HOWARD RD, CHELMSFORD, MA 01824-4714
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36366-253
Date	Oct 12, 2021
Book Page	36366/253
Instrument	59581

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	4 HOWARD RD, CHELMSFORD, MA 01824-4714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32028-148
Date	Apr 27, 2018
Book Page	32028/148
Instrument	16499

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	4 HOWARD RD, CHELMSFORD, MA 01824-4714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34649-45
Date	Sep 21, 2020
Book Page	34649/45
Instrument	45597

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4 Howard Rd was $6,689, up 7% 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	$6,689.00 (+6.96%)	$504,100 (+12.05%) Land $315,400 Building $188,700	$586,435 (-)
2025	$6,254.00 (+2.88%)	$449,900 (+0.81%) Land $287,400 Building $162,500	$586,435 (+6.56%)
2024	$6,079.00 (-1.39%)	$446,300 (+4.03%) Land $287,400 Building $158,900	$550,335
2023	$6,165.00	$429,000 Land $309,100 Building $119,900

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

Flood

FEMA maps place 4 Howard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	2 (1979–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

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 4 Howard Rd 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 99.8% of the US · lower than 99.9% 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 145 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 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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