Middlesex County and Chelmsford Town property record for 74 Smith St, Chelmsford, MA 01824
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,142 sqft · built 1956 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $610,000 (May 2022) |
| Tax Bill | $7,743 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Oct 2021 Sale & Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | CHEL M:0039 B:0132 L:2 |
| Primary APN | CHEL M:0039 B:0132 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,142 sqft Living Area |
| Gross Area | 2,472 sqft |
| 1st Floor Area | 816 sqft |
| Attic | Attic |
| Attic Area | 816 sqft |
| Basement Area | 408 sqft |
| Unfinished Basement | 408 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,761 sqft (0.27 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 4007 |
|---|---|
| Street Address | 74 SMITH ST |
| City | CHELMSFORD |
| State | MA |
| Zip | 01824-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Block | 132 |
| Legal Lot Number | 2 |
| Jurisdiction | CHELMSFORD MA |
| Township / Civil Division | CHELMSFORD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 317203 |
74 Smith St is owned and occupied by two individuals who bought it in May 2022.
Source: Middlesex County and Chelmsford Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 74 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 18, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP |
| Oct 26, 2021 | Quit Claim Deed, Construction Loan · Construction Mortgage ENTERPRISE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on File |
| Deed Sale | May 18, 2022 · Amount on File |
| Prior Sale | Oct 26, 2021 · Amount on File |
| Deed Book / Page | 37074 / 30 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Recording Date | May 18, 2022 |
| Property Address | 74 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Document Number | 0037074-30 |
| Book / Page | 37074 / 30 |
| Instrument Date | May 18, 2022 |
| Instrument | 21354 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 | 74 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Document Number | 0000021404 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 21404 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Recording Date | Oct 26, 2021 |
| Property Address | 74 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Document Number | 36427-258 |
| Book / Page | 36427 / 258 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 62546 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1057 MAIN ST, TEWKSBURY, MA 01876-2073 |
| Document Number | 62548 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 62548 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 74 Smith St was $7,743, up 8.8% from the year before.
Source: Middlesex County and Chelmsford Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Chelmsford Town |
| Unified School District | Chelmsford School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,743.00 (+8.84%) | $583,500 (+14.01%) Land $284,000 Building $299,500 | $616,550 (-) |
| 2025 | $7,114.00 (+2.33%) | $511,800 (+0.27%) Land $258,600 Building $253,200 | $616,550 (+0.34%) |
| 2024 | $6,952.00 (+3.5%) | $510,400 (+9.2%) Land $258,600 Building $251,800 | $614,460 |
| 2023 | $6,717.00 | $467,400 Land $278,000 Building $189,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 74 Smith St 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1978–1984) |
| Most Recent Claim | Mar 1984 · rainfall accumulation |
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.
The area around 74 Smith St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | CHELMSFORD WATER DISTRICT serves 28,750 people · EPA ID MA3056000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes not recorded as resolved · Jan 2026 |
|---|---|
| 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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