40 Ruthellen Rd, Chelmsford, MA 01824 Property Records

Middlesex County and Chelmsford Town property record for 40 Ruthellen Rd, Chelmsford, MA 01824

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,057 sqft · built 1962
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on Record
Last Sale	$610,000 (Jun 2026)
Tax Bill	$8,517 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CHEL M:0105 B:0397 L:37`

Property Details

APN / Parcel Number

Primary APN	`CHEL M:0105 B:0397 L:37`
Alternative APN	`6119`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,057 sqft Living Area
Gross Area	2,207 sqft
1st Floor Area	2,057 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	6119
Street Address	40 RUTHELLEN RD
City	CHELMSFORD
State	MA
Zip	01824-4023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	397
Legal Lot Number	37
Jurisdiction	CHELMSFORD MA
Township / Civil Division	CHELMSFORD
Census Block Group	3
Census Block	3020
Census Tract	317102

Owner

Source: Middlesex County and Chelmsford Town records, as of October 20, 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	481 BOSTON RD, BILLERICA, MA 01821-3788
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Quit Claim Deed, Transfer · ARM ROCKLAND TRUST COMPANY
Apr 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 10, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Jan 28, 1983 · Amount on Record
Deed Document Number	202620832
Deed Book / Page	40171 / 24
Prior Transfer Date	Sep 23, 2024
Prior Transfer Doc	038771-272
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHELMSFORD MA
Recording Date	Jun 30, 2026
Property Address	40 RUTHELLEN RD, CHELMSFORD, MA 01824-4023
Document Number	0000020832
Book / Page	40171 / 24
Instrument Date	Jun 29, 2026
Instrument	202620832
Transaction Type	Transfer
Record Updated	Aug 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 BOSTON RD, BILLERICA, MA 01821-3788

Mortgage

Date	Jun 30, 2026

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Type Change Date	Jul 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHELMSFORD MA
Recording Date	Apr 3, 2020
Property Address	40 RUTHELLEN RD, CHELMSFORD, MA 01824-4023
Document Number	33986-54
Book / Page	033986 / 000054
Instrument Date	Apr 2, 2020
Instrument	14322
Transaction Type	Transfer
Record Updated	Apr 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RUTHELLEN RD CHELMSFORD MA 018244023, CHELMSFORD, MA 01824-4023

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHELMSFORD MA
Property Address	40 RUTHELLEN RD, CHELMSFORD, MA 01824-4023
Document Number	33781-30
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 RUTHELLEN RD CHELMSFORD MA 018244023, CHELMSFORD, MA 01824-4023

Mortgage

Document Number	33781-30
Date	Jan 27, 2020
Book Page	033781/000030
Instrument	3728

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,517.00 (+10.52%)	$641,800 (+15.76%) Land $346,500 Building $295,300	$738,910 (-)
2025	$7,706.00 (+3.02%)	$554,400 (+0.95%) Land $315,800 Building $238,600	$738,910 (+13.07%)
2024	$7,480.00 (+0.86%)	$549,200 (+6.41%) Land $315,800 Building $233,400	$653,505
2023	$7,416.00	$516,100 Land $339,600 Building $176,500

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 units insured incl. 2 condo units

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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Jan 2026
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 174 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.

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