46 Main St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 46 Main St, Concord, MA 01742

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 bd · 1 ba · 1,947 sqft · built 1980
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Sep 1994)
Tax Bill	$9,109 (2026)
Deeds & Mortgages	Feb 2021 Refinance Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:00009H B:01699-00001`

Property Details

APN / Parcel Number

Primary APN	`M:00009H B:01699-00001`
Alternative APNs	`CONC M:9H B:1699 L:1` `7382`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,947 sqft Total Area
Gross Area	3,144 sqft
Basement Area	998 sqft
Unfinished Basement	998 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7382
Street Address	46 MAIN ST
City	CONCORD
State	MA
Zip	01742-2518
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	LB
Legal Block	1699
Legal Lot Number	1
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1012
Census Tract	361300

Owner

46 Main St, a commercial property, is owned by a company that bought it in September 1994.

Source: Middlesex County and Concord Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	166A MERRIMACK ST, METHUEN, MA 01844-6131
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance METHUEN COOPERATIVE BANK
Nov 30, 2020	Deed of Trust, Mortgage METHUEN CO-OP BK
Mar 26, 2018	Deed of Trust, Mortgage · Line of Credit SALEM COOPERATIVE BK
Jun 21, 2017	Deed of Trust, Mortgage SALEM COOPERATIVE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 1994 · Amount on File
Deed Sale	Sep 30, 1994 · Amount on File
Deed Book / Page	1133 / 12
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	46 MAIN ST, CONCORD, MA 01742-2518
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1871232
Date	Feb 26, 2021
Instrument	1871232

Lender

Name	METHUEN COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	46 MAIN ST, CONCORD, MA 01742-2518
Document Number	0001863982
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	166A MERRIMACK ST METHUEN MA 018446117, METHUEN, MA 01844-6117

Mortgage

Document Number	0001863982
Date	Dec 14, 2020
Instrument	1863982

Lender

Name	METHUEN CO-OP BK
Type	Bank

Agreement

Amount	Amount on Record

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	46 MAIN ST, CONCORD, MA 01742-2518
Document Number	0000092764
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	166A MERRIMACK ST CONCORD MA 01742, CONCORD, MA 01742

Mortgage

Document Number	0000092764
Date	Jul 20, 2018
Instrument	92764

Lender

Name	SALEM COOPERATIVE BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 19, 2038

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	46 MAIN ST, CONCORD, MA 01742-2518
Document Number	0000063529
Instrument Date	Jun 21, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000063529
Date	Jun 26, 2017
Instrument	63529

Lender

Name	SALEM COOPERATIVE BK
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 25, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 46 Main St was $9,109, up 2.4% from the year before.

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
2026	$9,109.00 (+2.37%)	$746,600 (+3.95%) Land $389,600 Building $357,000
2025	$8,898.00 (+4.07%)	$718,200 (+2.82%) Land $371,000 Building $347,200
2024	$8,550.00	$698,500 Land $371,000 Building $327,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 46 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 46 Main St is low, with a 0.01% annual chance of 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

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

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

May also be available: Verizon.

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