Middlesex County and Concord Town property record for 820 Main St, Concord, MA 01742
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,482 sqft · built 1926 |
| Lot Size | 0.199 acres (8,687 sqft) |
| Owner | Individual Name on File |
| Last Sale | $218,600 (Mar 1996) |
| Tax Bill | $105 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | CONC M:9F B:3831 |
| Primary APN | CONC M:9F B:3831 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,482 sqft Living Area |
| Gross Area | 2,884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,687 sqft (0.199 acres) |
| Garage Type | Basement |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2618 |
|---|---|
| Street Address | 820 MAIN ST |
| City | CONCORD |
| State | MA |
| Zip | 01742-3307 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Subdivision | MCCALLAR |
| Legal Block | 3831 |
| Jurisdiction | CONCORD MA |
| Township / Civil Division | CONCORD |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 361100 |
820 Main St is owned and occupied by an individual who bought it in March 1996.
Source: Middlesex County and Concord Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 MAIN ST, CONCORD, MA 01742-3307 |
| 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 |
|---|---|
| Jun 18, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 14, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 1996 · Amount on File |
| Deed Sale | Mar 11, 1996 · Amount on File |
| Prior Sale | May 13, 1987 · Amount on File |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 820 MAIN ST, CONCORD, MA 01742-3307 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0078045-29 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 78045/29 |
| Instrument | 138018 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CONCORD MA |
| Property Address | 820 MAIN ST, CONCORD, MA 01742-3307 |
| Document Number | 72911-117 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 820 MAIN ST CONCORD MA 017423307, CONCORD, MA 01742-3307 |
| Document Number | 72911-117 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 072911/000117 |
| Instrument | 98566 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 820 Main St was $105, down 99% from the year before.
Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $105.00 (-98.98%) | $795,400 (+1.86%) Land $410,500 Building $384,900 | $863,455 |
| 2024 | $10,253.00 (+16.67%) | $780,900 (+15.16%) Land $410,500 Building $370,400 | |
| 2023 | $8,788.00 | $678,100 Land $373,100 Building $305,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Main St in Zone X, an area of minimal flood risk, though there have been 16 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 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 16 (1979–2010) |
| Claims Outside the SFHA | 2 of 16 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 820 Main St 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 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 52 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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