40 Putnam Rd, Bedford, MA 01730 Property Records

Middlesex County and Bedford Town property record for 40 Putnam Rd, Bedford, MA 01730

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,156 sqft · built 1960
Lot Size	0.493 acres (21,479 sqft)
Owner	Individual Name on Record
Last Sale	$780,000 (Jul 2021)
Tax Bill	$85 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit Apr 2020 Refinance + 1 more
Flood Zone	Zone AE (high risk)
APN	`BEDF M:050 P:0010`

Property Details

APN / Parcel Number

Primary APN	`BEDF M:050 P:0010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
Gross Area	2,778 sqft
1st Floor Area	1,128 sqft
Basement Area	1,132 sqft
Unfinished Basement	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1970
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,479 sqft (0.493 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 PUTNAM RD
City	BEDFORD
State	MA
Zip	01730-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Jurisdiction	BEDFORD MA
Township / Civil Division	BEDFORD
Census Block Group	3
Census Block	3000
Census Tract	359303

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	Individual Name on Record
Mailing Address	40 PUTNAM RD, BEDFORD, MA 01730-1525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Apr 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Jul 9, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2021 · Amount on Record
Deed Sale	Jul 9, 2021 · Amount on Record
Prior Sale	Jul 23, 2004 · Amount on Record
Deed Document Number	2021155684
Deed Book / Page	78214 / 120
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PUTNAM RD, BEDFORD, MA 01730-1525
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073425-258
Date	Oct 8, 2019
Book Page	73425/258
Instrument	154748

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2044

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD MA
Property Address	40 PUTNAM RD, BEDFORD, MA 01730-1525
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074434-384
Date	Apr 8, 2020
Book Page	74434/384
Instrument	52285

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

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

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEDFORD MA
Recording Date	Jul 9, 2021
Property Address	40 PUTNAM RD, BEDFORD, MA 01730-1525
Document Number	078214-120
Book / Page	78214 / 120
Instrument Date	Jul 9, 2021
Instrument	155684
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	40 PUTNAM RD, BEDFORD, MA 01730-1525

Mortgage

Document Number	0000155685
Date	Jul 9, 2021
Instrument	155685

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Aug 1, 2031
Max Rate At Change	2.75%
Index	Other

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	$85.00 (-98.94%)	$710,900 (+4.99%) Land $446,500 Building $264,400	$777,100
2024	$8,044.00 (+2.29%)	$677,100 (+7.46%) Land $425,200 Building $251,900
2023	$7,864.00	$630,100 Land $401,600 Building $228,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	2 (2010–2016)
Most Recent Claim	Jul 2016 · other causes

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	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 186 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 / 250

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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