412 Monument St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 412 Monument St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,910 sqft · built 1912
Lot Size	0.24 acres (10,462 sqft)
Owner	Trust Name on Record
Last Sale	$1,530,000 (Sep 2008)
Tax Bill	$260 (2025)
Deeds & Mortgages	Mar 2022 Refinance Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:7H B:1351`

Property Details

APN / Parcel Number

Primary APN	`CONC M:7H B:1351`
Alternative APNs	`M:00007H B:01351-00000` `1073`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,910 sqft Living Area
Gross Area	6,231 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,462 sqft (0.24 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1073
Street Address	412 MONUMENT ST
City	CONCORD
State	MA
Zip	01742-1810
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Subdivision	LAND CONCORD
Legal Block	1351
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5017
Census Tract	361300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Davis, Isaac, Trail listed 1972 · 1 contributing resources · NRIS 72001347

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Middlesex County and Concord 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	Trust Name on Record
Mailing Address	412 MONUMENT ST, CONCORD, MA 01742-1810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance VILLAGE BANK
Feb 19, 2021	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE TRUST CO
Jul 7, 2020	Deed of Trust, Mortgage · ARM US BANK NA
Feb 19, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2008 · Amount on Record
Deed Sale	Sep 25, 2008 · Amount on Record
Prior Sale	Jul 9, 2008
Deed Document Number	2008157704
Deed Book / Page	51721 / 153
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	412 MONUMENT ST, CONCORD, MA 01742-1810
Transaction Type	Mortgage
Record Updated	Apr 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079876-55
Date	Mar 25, 2022
Book Page	79876/55
Instrument	44871

Lender

Name	VILLAGE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	412 MONUMENT ST, CONCORD, MA 01742-1810
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77010-253
Date	Feb 19, 2021
Book Page	77010/253
Instrument	37879

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	412 MONUMENT ST, CONCORD, MA 01742-1810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75060-336
Date	Jul 7, 2020
Book Page	75060/336
Instrument	108599

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Jul 1, 2030
Index	Other

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Feb 19, 2019
Property Address	412 MONUMENT ST, CONCORD, MA 01742-1810
Document Number	72242-422
Book / Page	072242 / 000422
Instrument Date	Feb 2, 2019
Instrument	20564
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	412 MONUMENT ST CONCORD MA 017421810, CONCORD, MA 01742-1810

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	$260.00 (-98.97%)	$1,967,200 (+2.05%) Land $917,300 Building $1,049,900	$2,814,375
2024	$25,309.00	$1,927,600 Land $917,300 Building $1,010,300

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	5 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
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	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Concord Light Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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