40 Pine St, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 40 Pine St, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,692 sqft · built 1995
Lot Size	0.717 acres (31,219 sqft)
Owner	2 Individual Names on Record
Last Sale	$960,000 (Dec 2017)
Tax Bill	$164 (2025)
Deeds & Mortgages	Dec 2021 Refinance May 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`BEDF M:073 P:0112-C`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:073 P:0112-C`
Alternative APN	`M:073 P:0112=C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,692 sqft Living Area
Gross Area	7,598 sqft
1st Floor Area	1,678 sqft
Basement Area	1,748 sqft
Unfinished Basement	1,748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,219 sqft (0.717 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 PINE ST
City	BEDFORD
State	MA
Zip	01730-2818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	2
Census Block	2004
Census Tract	359100

Owner

Source: Middlesex County and Bedford Town records, 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 Record
Mailing Address	40 PINE ST, BEDFORD, MA 01730-2818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
May 4, 2017	Deed of Trust, Mortgage BROOKLINE BANK
Mar 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Dec 18, 2017	Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2017 · Amount on Record
Deed Sale	Dec 18, 2017 · Amount on Record
Prior Sale	Jan 14, 2015
Deed Book / Page	70394 / 390
Transfer Doc	070394-390
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079447-20
Date	Dec 29, 2021
Book Page	79447/20
Instrument	279823

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080096-377
Date	May 9, 2022
Book Page	80096/377
Instrument	69191

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078394-305
Date	Aug 3, 2021
Book Page	78394/305
Instrument	174256

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78394-305
Date	Aug 3, 2021
Book Page	78394/305
Instrument	174256

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69233-152
Date	May 4, 2017
Book Page	69233/152
Instrument	65664

Lender

Name	BROOKLINE BANK

Agreement

Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74352-473
Date	Mar 25, 2020
Book Page	74352/473
Instrument	44688

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Dec 18, 2017
Property Address	40 PINE ST, BEDFORD, MA 01730-2818
Document Number	70394-390
Book / Page	70394 / 390
Instrument	203982
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PINE ST, BEDFORD, MA 01730-2818

Mortgage

Document Number	703940393
Date	Dec 18, 2017
Instrument	70394/0393

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 18, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$164.00 (-98.94%)	$1,362,900 (+5%) Land $533,400 Building $829,500	$1,341,020
2024	$15,420.00 (+8.04%)	$1,298,000 (+13.5%) Land $508,000 Building $790,000
2023	$14,272.00	$1,143,600 Land $479,800 Building $663,800

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
Flood Insurance Cost	Premium on Record median of 28 policies
Nearby Flood Policies	28 in force
Nearby Flood Claims	16 (1978–2010)
Claims Outside the SFHA	7 of 16
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 claims Extreme Weather Conditons And Flooding, Oct 1996 · 5 claims

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	Not rated no burnable land within 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	BEDFORD WATER DEPT. serves 14,955 people · EPA ID MA3023000
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2025
Lead	4 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 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 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T.

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