Middlesex County and Pepperell Town property record for 89 Harbor St, Pepperell, MA 01463
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,285 sqft · built 1973 |
| Lot Size | 1.79 acres (78,033 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jul 1997) |
| Tax Bill | $6,861 (2026) |
| Deeds & Mortgages | Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0032 B:0019 L:0000C |
| Primary APN | PEPP M:0032 B:0019 L:0000C |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,285 sqft Living Area |
| Gross Area | 3,910 sqft |
| Basement Area | 1,464 sqft |
| Unfinished Basement | 1,464 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 78,033 sqft (1.79 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 89 HARBOR ST |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1261 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RUR |
| Legal Block | 19 |
| Legal Lot Number | C |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 327103 |
89 Harbor St is owned and occupied by two individuals who bought it in July 1997.
Source: Middlesex County and Pepperell Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 89 HARBOR ST, PEPPERELL, MA 01463-1261 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 1997 · Amount on File |
| Deed Sale | Jul 18, 1997 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 89 HARBOR ST, PEPPERELL, MA 01463-1261 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076603-478 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 76603/478 |
| Instrument | 202100000408 |
| Name | MAIN STREET BANK (MA) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Feb 1, 2040 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 89 Harbor St was $6,861, down 1.8% from the year before.
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,861.00 (-1.83%) | $497,900 (+4.23%) Land $158,400 Building $339,500 | $570,032 (+17.91%) |
| 2025 | $6,989.00 (+9.96%) | $477,700 (+7.86%) Land $158,400 Building $319,300 | $483,455 (+6.64%) |
| 2024 | $6,356.00 (+4.82%) | $442,900 (+10.59%) Land $143,300 Building $299,600 | $453,340 |
| 2023 | $6,064.00 | $400,500 Land $120,700 Building $279,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 89 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 risk around 89 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 42 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: Xfinity.
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