45 Garrison Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 45 Garrison Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,743 sqft · built 1994
Lot Size	0.579 acres (25,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,606,000 (Oct 2024)
Tax Bill	$176 (2025)
Deeds & Mortgages	Dec 2024 Refinance Oct 2024 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:00007I B:01093-00001`

Property Details

APN / Parcel Number

Primary APN	`M:00007I B:01093-00001`
Alternative APNs	`CONC M:7I B:1093 L:1` `7309`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,743 sqft Living Area
Gross Area	5,778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,227 sqft (0.579 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7309
Street Address	45 GARRISON RD
City	CONCORD
State	MA
Zip	01742-1926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	1093
Legal Lot Number	1
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1002
Census Tract	361300

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	2 Individual Names on Record
Mailing Address	45 GARRISON RD, CONCORD, MA 01742-1926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 7, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance STEPHEN V JACOBS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2024 · Amount on Record
Deed Sale	Oct 7, 2024 · Amount on Record
Prior Sale	Jan 11, 1995 · Amount on Record
Deed Book / Page	83322 / 423
Record Updated	Jun 8, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 GARRISON RD, CONCORD, MA 01742-1926
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083638-17
Date	Dec 31, 2024
Book Page	83638/17
Instrument	149180

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

October 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Oct 7, 2024
Property Address	45 GARRISON RD, CONCORD, MA 01742-1926
Document Number	083322-423
Book / Page	83322 / 423
Instrument Date	Sep 25, 2024
Instrument	113524
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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
Relationship	Tenants by the Entirety
Address	45 GARRISON RD, CONCORD, MA 01742-1926

Mortgage

Document Number	0000142452
Date	Oct 7, 2024
Instrument	142452

Lender

Name	STEPHEN V JACOBS

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	27 Months
Due	Jan 1, 2027

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	$176.00 (-98.96%)	$1,334,800 (+3.1%) Land $601,000 Building $733,800	$1,489,315
2024	$16,999.00	$1,294,700 Land $560,900 Building $733,800

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	10 (1979–2010)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 5 claims Severe Storms & Flooding, Apr 1987 · 2 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	0.01% 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 198 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 (outdoors only) and 4G LTE

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