45 Elm St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 45 Elm St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,345 sqft · built 1998
Lot Size	1.83 acres (80,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Apr 2019)
Tax Bill	$9,966 (2026)
Deeds & Mortgages	Dec 2020 Refinance Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0034 B:0019 L:00009`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0034 B:0019 L:00009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,345 sqft Living Area
Gross Area	4,544 sqft
Basement Area	1,220 sqft
Unfinished Basement	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,028 sqft (1.83 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	45 ELM ST
City	PEPPERELL
State	MA
Zip	01463-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Block	19
Legal Lot Number	9
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1007
Census Tract	327103

Owner

Source: Middlesex County and Pepperell 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	2 Individual Names on Record
Mailing Address	45 ELM ST, PEPPERELL, MA 01463-1604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Apr 5, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Sep 6, 2007 · Amount on Record
Deed Document Number	201942392
Deed Book / Page	72423 / 591
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	45 ELM ST, PEPPERELL, MA 01463-1604
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76450-97
Date	Dec 16, 2020
Book Page	76450/97
Instrument	240293

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Apr 5, 2019
Property Address	45 ELM ST, PEPPERELL, MA 01463-1604
Document Number	72423-591
Book / Page	72423 / 591
Instrument Date	Apr 5, 2019
Instrument	42392
Transaction Type	Transfer
Record Updated	May 12, 2021

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	45 ELM ST, PEPPERELL, MA 01463-1604

Mortgage

Document Number	42393
Date	Apr 5, 2019
Instrument	42393

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,966.00 (+1.38%)	$723,200 (+7.64%) Land $196,100 Building $527,100	$644,195 (-)
2025	$9,830.00 (+9.56%)	$671,900 (+7.47%) Land $184,100 Building $487,800	$644,195 (-26.29%)
2024	$8,972.00 (+1.91%)	$625,200 (+7.52%) Land $168,100 Building $457,100	$874,000
2023	$8,804.00	$581,500 Land $152,100 Building $429,400

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 in force
Nearby Flood Claims	8 (1985–2010)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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	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	PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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