86 Harbor St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 86 Harbor St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,874 sqft · built 1974
Lot Size	2.09 acres (91,328 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2020)
Tax Bill	$6,845 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jun 2019 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0026 L:0000D`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0032 B:0026 L:0000D`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,874 sqft Living Area
Gross Area	2,206 sqft
Basement Area	1,050 sqft
Unfinished Basement	262 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	91,328 sqft (2.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	86 HARBOR ST
City	PEPPERELL
State	MA
Zip	01463-1258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	26
Legal Lot Number	D
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	3
Census Block	3009
Census Tract	327103

Owner

86 Harbor St is owned and occupied by two individuals who bought it in April 2020.

Source: Middlesex County and Pepperell Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Jun 26, 2019	Warranty Deed, Transfer NOT AVAILABLE
Feb 13, 2019	Warranty Deed, Foreclosure
Sep 7, 2018	Quit Claim Deed, Foreclosure
May 16, 2018	Warranty Deed, Foreclosure
Jan 5, 2018	Quit Claim Deed, Foreclosure
Sep 11, 2017	Warranty Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on File
Deed Sale	Apr 16, 2020 · Amount on File
Prior Sale	Jun 26, 2019 · Amount on File
Deed Document Number	202056286
Deed Book / Page	74480 / 577
Prior Transfer Date	Apr 8, 2020
Prior Transfer Doc	74480-577
Record Updated	Oct 29, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Apr 16, 2020
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	74480-577
Book / Page	74480 / 577
Instrument Date	Apr 8, 2020
Instrument	56286
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56287
Date	Apr 16, 2020
Instrument	56287

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jun 26, 2019
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	72831-484
Book / Page	072831 / 000484
Instrument Date	Jun 21, 2019
Instrument	89304
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$839.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	220 SAWYERHILL RD BERLIN MA 015031209, BERLIN, MA 01503-1209

February 2019: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	PEPPERELL MA
Recording Date	Feb 13, 2019
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	72224-360
Book / Page	072224 / 000360
Instrument Date	Sep 17, 2018
Instrument	361
Transaction Type	Foreclosure
Record Updated	Mar 5, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420

September 2018: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Sep 7, 2018
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	71586-273
Book / Page	071586 / 000273
Instrument Date	Aug 20, 2018
Instrument	138137
Transaction Type	Foreclosure
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7105 CORPORATE DR PLANO TX 750244100, PLANO, TX 75024-4100
Investor	Possibly a Property Investor

May 2018: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	PEPPERELL MA
Recording Date	May 16, 2018
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	71012-368
Book / Page	071012 / 000368
Instrument Date	Jan 16, 2018
Instrument	68151
Transaction Type	Foreclosure
Record Updated	Jan 12, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

January 2018: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jan 5, 2018
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	70476-142
Book / Page	070476 / 000142
Instrument Date	Dec 28, 2017
Instrument	2131
Transaction Type	Foreclosure
Record Updated	Jan 23, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	7105 CORPORATE DR PLANO TX 750244100, PLANO, TX 75024-4100

September 2017: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	PEPPERELL MA
Recording Date	Sep 11, 2017
Property Address	86 HARBOR ST, PEPPERELL, MA 01463-1258
Document Number	69908-9
Book / Page	069908 / 000009
Instrument Date	Oct 25, 2016
Instrument	146356
Transaction Type	Foreclosure
Record Updated	Oct 4, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 86 Harbor St was $6,845, down 1.9% from the year before.

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	$6,845.00 (-1.89%)	$496,700 (+4.15%) Land $161,200 Building $335,500	$475,819 (-1%)
2025	$6,977.00 (+9.91%)	$476,900 (+7.8%) Land $161,000 Building $315,900	$480,605 (+2.51%)
2024	$6,348.00 (+2.24%)	$442,400 (+7.88%) Land $145,700 Building $296,700	$468,825
2023	$6,209.00	$410,100 Land $122,900 Building $287,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 86 Harbor St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 86 Harbor St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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