81 River Rd, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 81 River Rd, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,393 sqft · built 2012
Lot Size	2.14 acres (93,506 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Apr 2013)
Tax Bill	$9,715 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0035 B:0021 L:00002`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0035 B:0021 L:00002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,393 sqft Living Area
Gross Area	4,480 sqft
Basement Area	1,250 sqft
Unfinished Basement	1,250 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	93,506 sqft (2.14 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	81 RIVER RD
City	PEPPERELL
State	MA
Zip	01463-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Subdivision	RIVER ROAD PEPPERELL
Legal Block	21
Legal Lot Number	2
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1008
Census Tract	327103

Owner

Source: Middlesex County and Pepperell Town records, as of October 20, 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 Record
Mailing Address	81 RIVER RD, PEPPERELL, MA 01463-1625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Jul 14, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2013 · Amount on Record
Deed Sale	Apr 18, 2013 · Amount on Record
Prior Sale	Apr 18, 2013 · Amount on Record
Deed Book / Page	61634 / 320
Transfer Doc	6163000320
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Recording Date	Jul 13, 2026
Property Address	81 RIVER RD, PEPPERELL, MA 01463-1625
Document Number	0000085595
Book / Page	85865 / 395
Instrument Date	Jul 7, 2026
Instrument	202685595
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 RIVER RD, PEPPERELL, MA 01463-1625

Mortgage

Document Number	0000085595,
Date	Jul 13, 2026
Book Page	85865/395
Instrument	202685595

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	81 RIVER RD, PEPPERELL, MA 01463-1625
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	080428-441
Date	Jul 14, 2022
Book Page	80428/441
Instrument	107169

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	81 RIVER RD, PEPPERELL, MA 01463-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76260-327
Date	Nov 24, 2020
Book Page	76260/327
Instrument	222642

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	81 RIVER RD, PEPPERELL, MA 01463-1625
Document Number	73550-529
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 RIVER RD PEPPERELL MA 014631625, PEPPERELL, MA 01463-1625

Mortgage

Document Number	73550-529
Date	Oct 30, 2019
Book Page	073550/000529
Instrument	167958

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

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
2026	$9,715.00 (+1.73%)	$705,000 (+8%) Land $213,900 Building $491,100	$667,185 (-)
2025	$9,550.00 (+9.07%)	$652,800 (+6.98%) Land $197,700 Building $455,100	$667,185 (+9.14%)
2024	$8,756.00 (+4.08%)	$610,200 (+9.81%) Land $181,600 Building $428,600	$611,325
2023	$8,413.00	$555,700 Land $153,600 Building $402,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	8 (1985–2010)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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

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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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