45 High Pine Cir, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 45 High Pine Cir, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,032 sqft · built 1970
Lot Size	0.709 acres (30,871 sqft)
Owner	2 Individual Names on Record
Last Sale	$721,000 (Jun 2019)
Tax Bill	$17,183 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2024 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`M:00012C B:02891-00077`

Property Details

APN / Parcel Number

Primary APN	`M:00012C B:02891-00077`
Alternative APNs	`CONC M:12C B:2891 L:77` `4981`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,032 sqft Living Area
Gross Area	7,332 sqft
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,871 sqft (0.709 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4981
Street Address	45 HIGH PINE CIR
City	CONCORD
State	MA
Zip	01742-4613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Block	2891
Legal Lot Number	77
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1012
Census Tract	361200

Owner

Source: Middlesex County and Concord 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 HIGH PINE CIR, CONCORD, MA 01742-4613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Deed of Trust, Mortgage FIRST BANK OF THE LK
May 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance HANSCOM FCU
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
May 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 4, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Jun 11, 2019	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE
Jun 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Deed Document Number	201979232
Deed Book / Page	72744 / 296
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084956-467
Date	Dec 3, 2025
Book Page	84956/467
Instrument	147976

Lender

Name	FIRST BANK OF THE LK

Agreement

Amount	Amount Recorded

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00082723-5
Date	May 1, 2024
Book Page	82723/5
Instrument	44014

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Transaction Type	Mortgage
Record Updated	Sep 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080626-377
Date	Aug 25, 2022
Book Page	80626/377
Instrument	130263

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74606-304
Date	May 5, 2020
Book Page	74606/304
Instrument	67138

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77123-338
Date	Mar 3, 2021
Book Page	77123/338
Instrument	47526

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Document Number	73618-221
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 HIGH PINE CIR CONCORD MA 017424613, CONCORD, MA 01742-4613

Mortgage

Document Number	73618-221
Date	Nov 8, 2019
Book Page	073618/000221
Instrument	175012

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jun 11, 2019
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Document Number	72744-296
Book / Page	072744 / 000296
Instrument Date	Jun 11, 2019
Instrument	79232
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,287.76
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 HIGH PINE CIR CONCORD MA 017424613, CONCORD, MA 01742-4613

Mortgage

Document Number	72744-299
Date	Jun 11, 2019
Book Page	072744/000299
Instrument	79233

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	45 HIGH PINE CIR, CONCORD, MA 01742-4613
Document Number	71224-289
Instrument Date	Jun 8, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HIGH PINE CIR CONCORD MA 017424613, CONCORD, MA 01742-4613

Mortgage

Document Number	71224-289
Date	Jun 27, 2018
Book Page	071224/000289
Instrument	93717

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2026	$17,183.00 (+5.33%)	$1,316,700 (+7.02%) Land $443,700 Building $873,000	$1,469,048 (+42.57%)
2025	$16,314.00 (+0.99%)	$1,230,300 (-) Land $422,600 Building $807,700	$1,030,370
2024	$16,154.00 (+11.15%)	$1,230,300 (+9.71%) Land $422,600 Building $807,700
2023	$14,533.00	$1,121,400 Land $352,100 Building $769,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1982–2010)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% 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	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 67 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

May also be available: T-Mobile.

Nearby Properties on High Pine Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures