40 Lawrence St, Pepperell, MA 01463 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,762 sqft · built 2010
Lot Size	2.05 acres (89,455 sqft)
Owner	Individual Name on File
Last Sale	$1,114,000 (May 2009)
Tax Bill	$7,000 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Apr 2020 Refinance + 1 more
Flood Zone	Zone A (high risk)
APN	`PEPP M:0008 B:0002 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0008 B:0002 L:00000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,762 sqft Living Area
Gross Area	4,196 sqft
Basement Area	936 sqft
Unfinished Basement	562 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Logs
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	89,455 sqft (2.05 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	40 LAWRENCE ST
City	PEPPERELL
State	MA
Zip	01463-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	2
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2005
Census Tract	327101

Owner

40 Lawrence St is owned and occupied by an individual who bought it in May 2009.

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

Owner of Record	Individual Name on File
Mailing Address	40 LAWRENCE ST, PEPPERELL, MA 01463-1006
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
Nov 20, 2017	Deed of Trust, Mortgage · FHA Mortgage ARK LA TEX SVCS LLC
Apr 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2009 · Amount on File
Deed Sale	May 14, 2009 · Amount on File
Prior Sale	Nov 24, 2008 · Amount on File
Deed Document Number	200985746
Deed Book / Page	52774 / 117
Transfer Doc	51920-360
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 LAWRENCE ST, PEPPERELL, MA 01463-1006
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070262-433
Date	Nov 20, 2017
Book Page	70262/433
Instrument	188832

Lender

Name	ARK LA TEX SVCS LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 LAWRENCE ST, PEPPERELL, MA 01463-1006
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074401-430
Date	Apr 2, 2020
Book Page	74401/430
Instrument	49198

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	40 LAWRENCE ST, PEPPERELL, MA 01463-1006
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078438-386
Date	Aug 10, 2021
Book Page	78438/386
Instrument	179007

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 40 Lawrence St was $7,000, down 1.7% from the year before.

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	$7,000.00 (-1.71%)	$508,000 (+4.35%) Land $169,300 Building $338,700	$1,525,795 (-)
2025	$7,122.00 (+5.43%)	$486,800 (+3.42%) Land $169,200 Building $317,600	$1,525,795 (-2.99%)
2024	$6,755.00 (+4.39%)	$470,700 (+10.13%) Land $153,100 Building $317,600	$1,572,820
2023	$6,471.00	$427,400 Land $129,100 Building $298,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 40 Lawrence St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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	1 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

Wildfire risk around 40 Lawrence St 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 66% of the US · above 98.9% 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 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

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