86 Central St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 86 Central St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,011 sqft · built 1912
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Aug 2009)
Tax Bill	$146 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:10D B:2594`

Property Details

APN / Parcel Number

Primary APN	`CONC M:10D B:2594`
Alternative APNs	`M:00010D B:02594-00000` `3760`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,011 sqft Living Area
Gross Area	3,869 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3760
Street Address	86 CENTRAL ST
City	CONCORD
State	MA
Zip	01742-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	2594
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	2
Census Block	2006
Census Tract	361200

Owner

Source: Middlesex County and Concord Town records, as of April 14, 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 Record
Mailing Address	86 CENTRAL ST, CONCORD, MA 01742-2911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BAY STATE SAVINGS BANK
Feb 5, 2018	Deed of Trust, Mortgage BAY STATE BANK
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BAY STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2009 · Amount on Record
Deed Sale	Aug 14, 2009 · Amount on Record
Prior Sale	Dec 14, 2001 · Amount on Record
Deed Document Number	2009161499
Deed Book / Page	53389 / 47
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	86 CENTRAL ST, CONCORD, MA 01742-2911
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080416-120
Date	Jul 12, 2022
Book Page	80416/120
Instrument	105611

Lender

Name	BAY STATE SAVINGS BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	86 CENTRAL ST, CONCORD, MA 01742-2911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70595-257
Date	Feb 5, 2018
Book Page	70595/257
Instrument	17174

Lender

Name	BAY STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	86 CENTRAL ST, CONCORD, MA 01742-2911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74642-396
Date	May 11, 2020
Book Page	74642/396
Instrument	70258

Lender

Name	BAY STATE SAVINGS BANK

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$146.00 (-98.97%)	$1,101,100 (+2.08%) Land $514,800 Building $586,300	$1,051,650
2024	$14,163.00 (+17.33%)	$1,078,700 (+15.81%) Land $514,800 Building $563,900
2023	$12,071.00	$931,400 Land $468,000 Building $463,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	20 units insured incl. 16 condo units
Nearby Flood Claims	2 (1990–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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