Middlesex County and Chelmsford Town property record for 76 Smith St, Chelmsford, MA 01824
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,411 sqft · built 1956 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Last Sale | $371,500 (Jun 2019) |
| Tax Bill | $8,194 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Jan 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CHEL M:0039 B:0132 L:3 |
| Primary APN | CHEL M:0039 B:0132 L:3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,411 sqft Living Area |
| Gross Area | 3,320 sqft |
| 1st Floor Area | 992 sqft |
| Attic | Attic |
| Attic Area | 552 sqft |
| Basement Area | 408 sqft |
| Unfinished Basement | 408 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4008 |
|---|---|
| Street Address | 76 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 | 3 |
| Jurisdiction | CHELMSFORD MA |
| Township / Civil Division | CHELMSFORD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 317203 |
76 Smith St is owned and occupied by an individual who bought it in June 2019.
Source: Middlesex County and Chelmsford 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 | Individual Name on File |
|---|---|
| Mailing Address | 76 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2025 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Jun 28, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 28, 2019 · Amount on File |
| Deed Sale | Jun 28, 2019 · Amount on File |
| Prior Sale | Mar 6, 2003 · Amount on File |
| Deed Document Number | 201925761 |
| Deed Book / Page | 33105 / 277 |
| Prior Transfer Date | Jun 27, 2019 |
| Prior Transfer Doc | 33105-277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Property Address | 76 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0039530-38 |
|---|---|
| Date | Sep 19, 2025 |
| Book Page | 39530/38 |
| Instrument | 29640 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Type Change Date | Oct 1, 2032 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Property Address | 76 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35182-195 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 35182/195 |
| Instrument | 2056 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHELMSFORD MA |
| Recording Date | Jun 28, 2019 |
| Property Address | 76 SMITH ST, CHELMSFORD, MA 01824-1704 |
| Document Number | 33105-277 |
| Book / Page | 033105 / 000277 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 25761 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,694.04 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 76 SMITH ST CHELMSFORD MA 018241704, CHELMSFORD, MA 01824-1704 |
| Document Number | 33105-280 |
|---|---|
| Date | Jun 28, 2019 |
| Book Page | 033105/000280 |
| Instrument | 25762 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 27, 2049 |
The 2026 property tax bill for 76 Smith St was $8,194, up 5.4% 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 | $8,194.00 (+5.42%) | $617,500 (+10.43%) Land $301,800 Building $315,700 | $611,230 (-) |
| 2025 | $7,773.00 (+3.57%) | $559,200 (+1.49%) Land $274,800 Building $284,400 | $611,230 (+1.53%) |
| 2024 | $7,505.00 (+3.98%) | $551,000 (+9.7%) Land $274,800 Building $276,200 | $602,015 |
| 2023 | $7,218.00 | $502,300 Land $295,500 Building $206,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 76 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 76 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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