88 Virginia Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 88 Virginia Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,016 sqft · built 1919
Lot Size	0.915 acres (39,863 sqft)
Owner	2 Individual Names on File
Last Sale	$1,300,000 (Jan 2025)
Tax Bill	$156 (2025)
Deeds & Mortgages	Jan 2025 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:8J B:4269`

Property Details

APN / Parcel Number

Primary APN	`CONC M:8J B:4269`
Alternative APNs	`M:00008J B:04269-00000` `1975`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,016 sqft Living Area
Gross Area	4,998 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,863 sqft (0.915 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1975
Street Address	88 VIRGINIA RD
City	CONCORD
State	MA
Zip	01742-2745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Subdivision	CONCORD
Legal Block	4269
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3002
Census Tract	361300

Owner

88 Virginia Rd is owned and occupied by two individuals who bought it in January 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	88 VIRGINIA RD, CONCORD, MA 01742-2745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 28, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Dec 31, 2019	Deed of Trust, Mortgage · Balloon Mortgage FARM CREDIT
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2025 · Amount on File
Deed Sale	Jan 28, 2025 · Amount on File
Prior Sale	Jan 17, 1992 · Amount on File
Deed Book / Page	83719 / 28
Record Updated	Jun 8, 2026

January 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jan 28, 2025
Property Address	88 VIRGINIA RD, CONCORD, MA 01742-2745
Document Number	0083719-28
Book / Page	83719 / 28
Instrument Date	Jan 28, 2025
Instrument	9440
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Relationship	Tenants by the Entirety
Address	88 VIRGINIA RD, CONCORD, MA 01742-2745

Mortgage

Document Number	0000009441
Date	Jan 28, 2025
Instrument	9441

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Feb 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	88 VIRGINIA RD, CONCORD, MA 01742-2745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73924-493
Date	Dec 31, 2019
Book Page	73924/493
Instrument	209791

Lender

Name	FARM CREDIT

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	88 VIRGINIA RD, CONCORD, MA 01742-2745
Document Number	70411-350
Book / Page	070411 / 000350
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70411-350
Date	Dec 20, 2017
Book Page	070411/000350
Instrument	6084

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 19, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 88 Virginia Rd was $156, down 99% from the year before.

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	$156.00 (-98.95%)	$1,179,400 (+3.84%) Land $652,800 Building $526,600	$1,261,980
2024	$14,913.00 (+20.09%)	$1,135,800 (+18.53%) Land $609,200 Building $526,600
2023	$12,418.00	$958,200 Land $580,200 Building $378,000

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

Flood

FEMA maps place 88 Virginia Rd 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	11 (1984–2012)
Claims Outside the SFHA	4 of 11
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 claims Extreme Weather Conditons And Flooding, Oct 1996 · 2 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

Wildfire risk around 88 Virginia Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% 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	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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Concord Light Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Virginia Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures