Middlesex County and Pepperell Town property record for 5 James Cir, Pepperell, MA 01463
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,817 sqft · built 1978 |
| Lot Size | 0.975 acres (42,484 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $671,000 (Sep 2025) |
| Tax Bill | $8,741 (2026) |
| Deeds & Mortgages | Jan 2023 Line of Credit Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0031 B:0082 L:00000 |
| Primary APN | PEPP M:0031 B:0082 L:00000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,817 sqft Living Area |
| Gross Area | 6,218 sqft |
| Basement Area | 1,538 sqft |
| Unfinished Basement | 1,538 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 42,484 sqft (0.975 acres) |
| Garage Type | Basement |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 5 JAMES CIR |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SUR |
| Legal Block | 82 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 327102 |
Source: Middlesex County and Pepperell 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 | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 26, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage NAVY FCU |
| Feb 6, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2025 · Amount on Record |
| Deed Sale | Sep 26, 2025 · Amount on Record |
| Prior Sale | Sep 16, 1983 · Amount on Record |
| Deed Book / Page | 84660 / 412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081142-489 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | 81142/489 |
| Instrument | 2219 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Recording Date | Sep 26, 2025 |
| Property Address | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Document Number | 084660-412 |
| Book / Page | 84660 / 412 |
| Instrument Date | Sep 26, 2025 |
| Instrument | 116766 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Document Number | 0000116767 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | 116767 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Recording Date | Feb 6, 2023 |
| Property Address | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
| Document Number | 081226-405 |
| Book / Page | 81226 / 405 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 12879 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 JAMES CIR, PEPPERELL, MA 01463-1720 |
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,741.00 (+0.52%) | $634,300 (+6.71%) Land $168,400 Building $465,900 | $582,920 (-) |
| 2025 | $8,696.00 (+9.19%) | $594,400 (+7.1%) Land $158,100 Building $436,300 | $582,920 (-13.22%) |
| 2024 | $7,964.00 (+9.46%) | $555,000 (+15.48%) Land $144,400 Building $410,600 | $671,745 |
| 2023 | $7,276.00 | $480,600 Land $130,600 Building $350,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 10 (1982–2010) |
| Most Recent Claim | Apr 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures