48 Garfield Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 48 Garfield Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,672 sqft · built 2007
Lot Size	1.91 acres (83,334 sqft)
Owner	Trust Name on Record
Last Sale	$2,300,000 (Jun 2021)
Tax Bill	$35,694 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CONC M:13F B:3480 L:1-1`

Property Details

APN / Parcel Number

Primary APN	`CONC M:13F B:3480 L:1-1`
Alternative APNs	`M:00013F B:03480-001-1` `10389`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	5,672 sqft Living Area
Gross Area	12,049 sqft
Basement Area	2,478 sqft
Unfinished Basement	2,478 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	83,334 sqft (1.91 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10389
Street Address	48 GARFIELD RD
City	CONCORD
State	MA
Zip	01742-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Subdivision	MICHAEL KIMBALL
Legal Block	3480
Legal Lot Number	1-1
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5016
Census Tract	361100

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	Trust Name on Record
Mailing Address	48 GARFIELD RD, CONCORD, MA 01742-4903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Prior Sale	Jul 8, 2010 · Amount on Record
Deed Document Number	2021139906
Deed Book / Page	78063 / 268
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jun 21, 2021
Property Address	48 GARFIELD RD, CONCORD, MA 01742-4903
Document Number	078063-268
Book / Page	78063 / 268
Instrument Date	Jun 21, 2021
Instrument	139906
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	48 GARFIELD RD, CONCORD, MA 01742-4903

Mortgage

Document Number	0000139907
Date	Jun 21, 2021
Instrument	139907

Lender

Name	TIAA CREF TRUST CO FSB

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.38%
Type Change Date	Jul 1, 2031
Max Rate At Change	3%
Index	Other
Margin	3

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	$35,694.00 (+10,040.34%)	$2,735,200 (+2.89%) Land $552,400 Building $2,182,800	$2,771,139 (-6.59%)
2025	$352.00 (-99%)	$2,658,400 (-0.79%) Land $557,500 Building $2,100,900	$2,966,565
2024	$35,184.00	$2,679,700 Land $557,500 Building $2,122,200

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	4 in force
Nearby Flood Claims	1 (1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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 66% of the US · above 98.9% 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	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 93 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

Cell Coverage

5G (outdoors only) and 4G LTE

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