40 Dow St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 40 Dow St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,298 sqft · built 1995
Lot Size	2.62 acres (114,114 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,769 (Dec 1995)
Tax Bill	$7,579 (2026)
Deeds & Mortgages	May 2021 Refinance Aug 2018 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`PEPP M:0005 B:0034 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0005 B:0034 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,298 sqft Living Area
Gross Area	3,592 sqft
Basement Area	1,012 sqft
Unfinished Basement	530 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	114,114 sqft (2.62 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	40 DOW ST
City	PEPPERELL
State	MA
Zip	01463-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCR
Legal Block	34
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1013
Census Tract	327101

Owner

Source: Middlesex County and Pepperell 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	2 Individual Names on Record
Mailing Address	40 DOW ST, PEPPERELL, MA 01463-1439
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LADERA LENDING
Aug 29, 2018	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Mar 15, 2019	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 1995 · Amount on Record
Deed Sale	Dec 7, 1995 · Amount on Record
Last Transfer Date	Mar 11, 2019
Transfer Doc	72339-222
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 DOW ST, PEPPERELL, MA 01463-1439
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77825-375
Date	May 21, 2021
Book Page	77825/375
Instrument	115385

Lender

Name	LADERA LENDING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 DOW ST, PEPPERELL, MA 01463-1439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71540-411
Date	Aug 29, 2018
Book Page	71540/411
Instrument	132776

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 DOW ST, PEPPERELL, MA 01463-1439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76730-98
Date	Jan 20, 2021
Book Page	76730/98
Instrument	12598

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Mar 15, 2019
Property Address	40 DOW ST, PEPPERELL, MA 01463-1439
Document Number	72339-222
Book / Page	72339 / 222
Instrument Date	Mar 11, 2019
Instrument	32294
Transaction Type	Transfer
Record Updated	May 12, 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	40 DOW ST, PEPPERELL, MA 01463-1439

Mortgage

Document Number	72339-226
Date	Mar 15, 2019
Book Page	72339/226
Instrument	32295

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,579.00 (+0.99%)	$550,000 (+7.21%) Land $194,300 Building $355,700	$512,050 (-)
2025	$7,505.00 (+9.21%)	$513,000 (+7.12%) Land $179,600 Building $333,400	$512,050 (-17.95%)
2024	$6,872.00 (+7.17%)	$478,900 (+13.08%) Land $164,900 Building $314,000	$624,055
2023	$6,412.00	$423,500 Land $128,900 Building $294,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, TDS Telecom.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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