91 Elm St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 91 Elm St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,066 sqft · built 1986
Lot Size	3.05 acres (133,145 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2019)
Tax Bill	$8,927 (2026)
Deeds & Mortgages	Jul 2021 Refinance Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0038 B:0087 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0038 B:0087 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	3,586 sqft
Basement Area	1,208 sqft
Unfinished Basement	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	133,145 sqft (3.05 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	91 ELM ST
City	PEPPERELL
State	MA
Zip	01463-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TNR
Legal Block	87
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	1
Census Block	1024
Census Tract	327103

Owner

91 Elm St is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	91 ELM ST, PEPPERELL, MA 01463-1604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 11, 2018	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU
Apr 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GMH MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Deed Document Number	201952819
Deed Book / Page	72512 / 432
Prior Transfer Date	Apr 20, 2019
Prior Transfer Doc	72512-432
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	91 ELM ST, PEPPERELL, MA 01463-1604
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078233-504
Date	Jul 13, 2021
Book Page	78233/504
Instrument	157770

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	91 ELM ST, PEPPERELL, MA 01463-1604
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70496-135
Date	Jan 11, 2018
Book Page	70496/135
Instrument	4674

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	480 Months
Due	Jan 1, 2058

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Apr 26, 2019
Property Address	91 ELM ST, PEPPERELL, MA 01463-1604
Document Number	72512-432
Book / Page	72512 / 432
Instrument Date	Apr 20, 2019
Instrument	52819
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
Address	91 ELM ST, PEPPERELL, MA 01463-1604

Mortgage

Document Number	52820
Date	Apr 26, 2019
Instrument	52820

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 91 Elm St was $8,927, up 1.8% 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	$8,927.00 (+1.84%)	$647,800 (+8.11%) Land $219,200 Building $428,600	$600,590 (-)
2025	$8,766.00 (+8.95%)	$599,200 (+6.87%) Land $202,600 Building $396,600	$600,590 (+0.83%)
2024	$8,046.00 (+4.06%)	$560,700 (+9.79%) Land $186,000 Building $374,700	$595,650
2023	$7,732.00	$510,700 Land $158,000 Building $352,700

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

Flood

FEMA maps place 91 Elm St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1985.

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	5 in force
Nearby Flood Claims	8 (1985–2010)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 4 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 91 Elm 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 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 41 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: Xfinity.

Cell Coverage

5G and 4G LTE (outdoors only)

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