54 Emerson Cir, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 54 Emerson Cir, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,501 sqft · built 2011
Lot Size	0.161 acres (7,018 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Oct 2023)
Tax Bill	$6,986 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Mar 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0006 B:0011 L:00004`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0006 B:0011 L:00004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,501 sqft Living Area
Gross Area	2,921 sqft
Basement Area	663 sqft
Unfinished Basement	663 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,018 sqft (0.161 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	54 EMERSON CIR
City	PEPPERELL
State	MA
Zip	01463-1594
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RCR
Legal Subdivision	EMERSON VILLAGE
Legal Block	11
Legal Lot Number	4
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1009
Census Tract	327101

Owner

Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 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 File
Mailing Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 28, 2022	Quit Claim Deed, Transfer · Stand-Alone Refinance RIVER CITY MORTGAGE LLC
Apr 21, 2017	Deed of Trust, Mortgage ARK LA TEX SVCS LLC
Dec 23, 2020	Deed of Trust, Mortgage · Line of Credit NEW ENGLAND TEAMSTERS FCU
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 26, 2023 · Amount on Record
Deed Sale	Oct 26, 2023 · Amount on Record
Prior Sale	Nov 28, 2011 · Amount on Record
Deed Document Number	2023121927
Prior Transfer Date	Mar 7, 2022
Prior Transfer Doc	079888-393
Record Updated	Sep 20, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Oct 26, 2023
Property Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Document Number	082139-461
Book / Page	82139 / 461
Instrument Date	Oct 26, 2023
Instrument	121927
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 with Right of Survivorship
Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594

Mortgage

Document Number	0000121928
Date	Oct 26, 2023
Instrument	121928

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Mar 28, 2022
Property Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Document Number	079888-393
Book / Page	79888 / 393
Instrument Date	Mar 7, 2022
Instrument	46164
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594

Mortgage

Document Number	079888-397
Date	Mar 28, 2022
Book Page	79888/397
Instrument	46165

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69174-31
Date	Apr 21, 2017
Book Page	69174/31
Instrument	58521

Lender

Name	ARK LA TEX SVCS LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76508-354
Date	Dec 23, 2020
Book Page	76508/354
Instrument	245860

Lender

Name	NEW ENGLAND TEAMSTERS FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2040

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	54 EMERSON CIR, PEPPERELL, MA 01463-1594
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75846-46
Date	Oct 9, 2020
Book Page	75846/46
Instrument	182982

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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
2025	$6,986.00 (+8.65%)	$477,500 (+6.56%) Land $174,300 Building $303,200	$491,055 (+17.77%)
2024	$6,430.00 (+4.33%)	$448,100 (+10.07%) Land $162,700 Building $285,400	$416,955
2023	$6,163.00	$407,100 Land $139,500 Building $267,600

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	5 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Consolidated Communications.

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