40 Emerson Cir, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 40 Emerson Cir, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,448 sqft · built 2012
Lot Size	0.442 acres (19,271 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Feb 2013)
Tax Bill	$8,417 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Oct 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0006 B:0011 L:00011`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0006 B:0011 L:00011`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	3,756 sqft
Basement Area	1,224 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,271 sqft (0.442 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 EMERSON CIR
City	PEPPERELL
State	MA
Zip	01463-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCR
Legal Block	11
Legal Lot Number	11
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1009
Census Tract	327101

Owner

Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 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 File
Mailing Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK
Jul 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
May 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2013 · Amount on Record
Deed Sale	Feb 15, 2013 · Amount on Record
Deed Book / Page	61215 / 434
Record Updated	Sep 20, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083975-567
Date	Apr 16, 2025
Book Page	83975/567
Instrument	39710

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2045

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0079003-20
Date	Oct 27, 2021
Book Page	79003/20
Instrument	234991

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	79003-20
Date	Oct 27, 2021
Book Page	79003/20
Instrument	234991

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72875-301
Date	Jul 2, 2019
Book Page	72875/301
Instrument	94110

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74678-266
Date	May 15, 2020
Book Page	74678/266
Instrument	73376

Lender

Name	BANGOR SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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
2025	$8,417.00 (+27.24%)	$575,300 (+24.79%) Land $185,300 Building $390,000	$579,975 (+39.29%)
2024	$6,615.00 (+4.42%)	$461,000 (+10.18%) Land $173,000 Building $288,000	$416,385
2023	$6,335.00	$418,400 Land $148,300 Building $270,100

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	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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Consolidated Communications.

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