40 Cold Spring Rd, Westford, MA 01886 Property Records

Middlesex County and Westford Town property record for 40 Cold Spring Rd, Westford, MA 01886

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1970
Lot Size	0.918 acres (39,988 sqft)
Owner	Individual Name on Record
Last Sale	$304,300 (Oct 2010)
Tax Bill	$7,019 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WFOR M:0026.0 P:0046 S:0000`

Property Details

APN / Parcel Number

Primary APN	`WFOR M:0026.0 P:0046 S:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
Gross Area	2,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,988 sqft (0.918 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40 COLD SPRING RD
City	WESTFORD
State	MA
Zip	01886-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	WESTFORD MA
Township / Civil Division	WESTFORD
Census Block Group	2
Census Block	2005
Census Tract	318300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40 COLD SPRING RD, WESTFORD, MA 01886-2210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2010 · Amount on Record
Deed Sale	Oct 29, 2010 · Amount on Record
Deed Document Number	201050499
Deed Book / Page	24428 / 11
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	40 COLD SPRING RD, WESTFORD, MA 01886-2210
Transaction Type	Mortgage
Record Updated	Apr 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037770-86
Date	Apr 11, 2023
Book Page	37770/86
Instrument	9771

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	40 COLD SPRING RD, WESTFORD, MA 01886-2210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34691-276
Date	Sep 29, 2020
Book Page	34691/276
Instrument	47662

Lender

Name	BAY EQUITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,019.00 (+8.74%)	$535,400 (+11.73%) Land $305,200 Building $230,200	$592,135 (+4.3%)
2025	$6,455.00 (+2.7%)	$479,200 (+5%) Land $299,100 Building $180,100
2024	$6,285.00 (-0.25%)	$456,400 (+6.91%) Land $284,900 Building $171,500	$567,720
2023	$6,301.00	$426,900 Land $271,400 Building $155,500

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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	WESTFORD WATER DEPARTMENT serves 18,848 people · EPA ID MA3330000
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 106 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

Cell Coverage

5G (outdoors only) and 4G LTE

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