48 Harbor St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 48 Harbor St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,873 sqft · built 1972
Lot Size	1.09 acres (47,476 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2020)
Tax Bill	$6,351 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0041 L:0000E`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0032 B:0041 L:0000E`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,873 sqft Living Area
Gross Area	2,294 sqft
Basement Area	1,050 sqft
Unfinished Basement	262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,476 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	48 HARBOR ST
City	PEPPERELL
State	MA
Zip	01463-1224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	41
Legal Lot Number	E
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	3
Census Block	3010
Census Tract	327103

Owner

48 Harbor St is owned and occupied by two individuals who bought it in September 2020.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	48 HARBOR ST, PEPPERELL, MA 01463-1224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON SAVINGS BANK
Jan 5, 2018	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2020 · Amount on File
Deed Sale	Sep 28, 2020 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Book / Page	75732 / 73
Prior Transfer Date	Sep 26, 2020
Prior Transfer Doc	75732-73
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Sep 28, 2020
Property Address	48 HARBOR ST, PEPPERELL, MA 01463-1224
Document Number	75732-73
Book / Page	75732 / 73
Instrument Date	Sep 26, 2020
Instrument	172390
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	48 HARBOR ST, PEPPERELL, MA 01463-1224

Mortgage

Document Number	172391
Date	Sep 28, 2020
Instrument	172391

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jan 5, 2018
Property Address	48 HARBOR ST, PEPPERELL, MA 01463-1224
Document Number	70476-461
Book / Page	070476 / 000461
Instrument Date	Dec 29, 2017
Instrument	2193
Transaction Type	Transfer
Record Updated	Jan 23, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,254.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	48 HARBOR ST PEPPERELL MA 014631224, PEPPERELL, MA 01463-1224

Mortgage

Document Number	70476-465
Date	Jan 5, 2018
Book Page	070476/000465
Instrument	2194

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 4, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 48 Harbor St was $6,351, down 1.8% from the year before.

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	$6,351.00 (-1.76%)	$460,900 (+4.3%) Land $140,100 Building $320,800	$519,665 (+14.39%)
2025	$6,465.00 (+9.73%)	$441,900 (+7.62%) Land $140,100 Building $301,800	$454,290 (+4.5%)
2024	$5,892.00 (+1.99%)	$410,600 (+7.6%) Land $126,800 Building $283,800	$434,720
2023	$5,777.00	$381,600 Land $106,800 Building $274,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 48 Harbor St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 48 Harbor St is low, with a 0.02% 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	0.02% 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	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 28 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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