40 Pine St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 40 Pine St, Concord, MA 01742

Property Summary

Property Type	Condominium
Details	4 bd · 3.5 ba · 2,432 sqft · built 1899
Lot Size	0.32 acres (13,920 sqft)
Owner	2 Individual Names on File
Last Sale	$1,753,000 (Jun 2023)
Tax Bill	$220 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`102915`

Property Details

APN / Parcel Number

Primary APN	`102915`
Alternative APN	`CONC M:10D B:2548 L:40`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,432 sqft Living Area
Gross Area	5,125 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Architectural Style	Condo/Apartment
Lot Area	13,920 sqft (0.32 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	102915
Street Address	40 PINE ST
City	CONCORD
State	MA
Zip	01742-3024
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	C
Legal Block	2548
Legal Lot Number	40
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2005
Census Tract	361200

Owner

Source: Middlesex County and Concord 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 PINE ST, CONCORD, MA 01742-3024
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · ARM AMALGAMATED BANK
Jun 9, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage M & T BANK
Apr 23, 2020	Condominium Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Mar 15, 2018 · Amount on Record
Deed Book / Page	81635 / 76
Transfer Doc	49092-214
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	40 PINE ST, CONCORD, MA 01742-3024
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078087-489
Date	Jun 24, 2021
Book Page	78087/489
Instrument	142663

Lender

Name	AMALGAMATED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.38%
Type Change Date	Apr 1, 2028
Index	1-Year CMT

June 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CONCORD MA
Recording Date	Jun 9, 2023
Property Address	40 PINE ST, CONCORD, MA 01742-3024
Document Number	0081635-76
Book / Page	81635 / 76
Instrument Date	Jun 9, 2023
Instrument	61547
Transaction Type	Transfer
Record Updated	Jun 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 PINE ST # 1, 1, CONCORD, MA 01742-3024

Mortgage

Document Number	0000061548
Date	Jun 9, 2023
Instrument	61548

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jul 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

April 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CONCORD MA
Recording Date	Apr 23, 2020
Property Address	40 PINE ST, CONCORD, MA 01742-3024
Document Number	74524-6
Book / Page	074524 / 000006
Instrument Date	Feb 21, 2020
Instrument	59744
Transaction Type	Transfer
Record Updated	May 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	40 PINE ST #1 CONCORD MA 017423024, 1, CONCORD, MA 01742-3024

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Concord Town
Elementary School District	Concord School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$220.00 (-98.84%)	$1,659,300 (+15.17%) Building $1,659,300	$1,753,415
2024	$18,918.00 (+4.53%)	$1,440,800 (+3.17%) Building $1,440,800
2023	$18,099.00	$1,396,500 Building $1,396,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	20 units insured incl. 16 condo units
Nearby Flood Claims	2 (1990–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONCORD WATER DEPT serves 18,788 people · EPA ID MA3067000
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jul 2022
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. 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Town of Concord, Massachusetts Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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