643 Old Bedford Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 643 Old Bedford Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,240 sqft · built 1933
Lot Size	0.469 acres (20,436 sqft)
Owner	Trust Name on File
Last Sale	$1,260,000 (Aug 2021)
Tax Bill	$166 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CONC M:6J B:1016`

Property Details

APN / Parcel Number

Primary APN	`CONC M:6J B:1016`
Alternative APNs	`M:00006J B:01016-00000` `794`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,240 sqft Living Area
Gross Area	6,282 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,436 sqft (0.469 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	794
Street Address	643 OLD BEDFORD RD
City	CONCORD
State	MA
Zip	01742-2725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	1016
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	1
Census Block	1001
Census Tract	361300

Owner

643 Old Bedford Rd is owner-occupied and held in a trust since August 2021.

Source: Middlesex County and Concord Town records, as of August 19, 2026

Owner of Record	Trust Name on File
Mailing Address	643 OLD BEDFORD RD, CONCORD, MA 01742-2725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 4, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2021 · Amount on File
Deed Sale	Aug 4, 2021 · Amount on File
Prior Sale	May 3, 2018 · Amount on File
Deed Document Number	2021175531
Deed Book / Page	78406 / 111
Transfer Doc	070958-586
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Recording Date	Jul 28, 2026
Property Address	643 OLD BEDFORD RD, CONCORD, MA 01742-2725
Document Number	0000093430
Book / Page	85934 / 318
Instrument Date	Jun 11, 2026
Instrument	202693430
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093430,
Date	Jul 28, 2026
Book Page	85934/318
Instrument	202693430

Lender

Name	EASTERN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Aug 4, 2021
Property Address	643 OLD BEDFORD RD, CONCORD, MA 01742-2725
Document Number	078406-111
Book / Page	78406 / 111
Instrument Date	Aug 4, 2021
Instrument	175531
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	643 OLD BEDFORD RD, CONCORD, MA 01742-2725

Mortgage

Document Number	0000175533
Date	Aug 4, 2021
Instrument	175533

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 643 Old Bedford Rd was $166, down 99% 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	Assessed Market Value
2025	$166.00 (-98.96%)	$1,256,100 (+3.12%) Land $569,800 Building $686,300	$1,522,565
2024	$15,994.00	$1,218,100 Land $531,800 Building $686,300

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

Flood

FEMA maps place 643 Old Bedford Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1979.

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
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 643 Old Bedford Rd 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
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	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 109 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
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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