7 Cold Spring Rd, Westford, MA 01886 Property Records

Middlesex County and Westford Town property record for 7 Cold Spring Rd, Westford, MA 01886

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,184 sqft · built 1973
Lot Size	1.76 acres (76,666 sqft)
Owner	2 Individual Names on File
Last Sale	$446,000 (Apr 2009)
Tax Bill	$9,753 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WFOR M:0031.0 P:0042 S:0000`

Property Details

APN / Parcel Number

Primary APN	`WFOR M:0031.0 P:0042 S:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
Gross Area	4,151 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	76,666 sqft (1.76 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7 COLD SPRING RD
City	WESTFORD
State	MA
Zip	01886-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	WESTFORD MA
Township / Civil Division	WESTFORD
Census Block Group	2
Census Block	2003
Census Tract	318300

Owner

7 Cold Spring Rd is owned and occupied by two individuals who acquired it in May 2019.

Source: Middlesex County and Westford 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	7 COLD SPRING RD, WESTFORD, MA 01886-2212
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
May 31, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2009 · Amount on File
Deed Sale	Apr 30, 2009 · Amount on File
Deed Document Number	200920179
Deed Book / Page	22961 / 213
Last Transfer Date	May 16, 2019
Transfer Doc	33021-99
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	7 COLD SPRING RD, WESTFORD, MA 01886-2212
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039727-217
Date	Dec 10, 2025
Book Page	39727/217
Instrument	39882

Lender

Name	LUMINATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFORD MA
Property Address	7 COLD SPRING RD, WESTFORD, MA 01886-2212
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35444-270
Date	Mar 9, 2021
Book Page	35444/270
Instrument	14045

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFORD MA
Recording Date	May 31, 2019
Property Address	7 COLD SPRING RD, WESTFORD, MA 01886-2212
Document Number	33021-99
Book / Page	033021 / 000099
Instrument Date	May 16, 2019
Instrument	20848
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 COLD SPRING RD WESTFORD MA 018862212, WESTFORD, MA 01886-2212

Tax Assessment & Valuation

The 2026 property tax bill for 7 Cold Spring Rd was $9,753, up 5.7% from the year before.

Source: Middlesex County and Westford Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Westford Town
Unified School District	Westford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,753.00 (+5.71%)	$743,900 (+8.61%) Land $333,000 Building $410,900	$840,940 (-)
2025	$9,226.00 (+2.73%)	$684,900 (+5.01%) Land $326,800 Building $358,100	$840,940 (+3.86%)
2024	$8,981.00 (+0.79%)	$652,200 (+8.03%) Land $311,200 Building $341,000	$809,685
2023	$8,911.00	$603,700 Land $296,800 Building $306,900

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

Flood

FEMA maps place 7 Cold Spring Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 7 Cold Spring Rd is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WESTFORD WATER DEPARTMENT serves 18,848 people · EPA ID MA3330000
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2025
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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