93 Harbor St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 93 Harbor St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,611 sqft · built 1973
Lot Size	1.47 acres (64,068 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Sep 2025)
Tax Bill	$6,616 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0019 L:0000E`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0032 B:0019 L:0000E`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,611 sqft Living Area
Gross Area	2,584 sqft
Basement Area	1,050 sqft
Unfinished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,068 sqft (1.47 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	93 HARBOR ST
City	PEPPERELL
State	MA
Zip	01463-1261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Subdivision	PLAN 1387
Legal Block	19
Legal Lot Number	E
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	3
Census Block	3005
Census Tract	327103

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Sep 12, 2025	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Jan 26, 2023	Quit Claim Deed, Transfer · FHA Mortgage NATIONS RELIABLE LENDING LLC
Oct 4, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Aug 6, 2019	Quit Claim Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Jan 26, 2023 · Amount on Record
Deed Book / Page	84604 / 522
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076890-345
Date	Feb 5, 2021
Book Page	76890/345
Instrument	26835

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2049

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079657-482
Date	Feb 8, 2022
Book Page	79657/482
Instrument	21090

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Sep 12, 2025
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	084604-522
Book / Page	84604 / 522
Instrument Date	Sep 12, 2025
Instrument	110218
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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	93 HARBOR ST, PEPPERELL, MA 01463-1261
Investor	Possibly a Property Investor

Mortgage

Document Number	0000110219
Date	Sep 12, 2025
Instrument	110219

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Jan 26, 2023
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	081198-160
Book / Page	81198 / 160
Instrument Date	Jan 26, 2023
Instrument	9484
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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	93 HARBOR ST, PEPPERELL, MA 01463-1261

Mortgage

Document Number	0000009485
Date	Jan 26, 2023
Instrument	9485

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71710-241
Date	Oct 4, 2018
Book Page	71710/241
Instrument	153794

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PEPPERELL MA
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74671-20
Date	May 14, 2020
Book Page	74671/20
Instrument	72662

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2049

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Aug 6, 2019
Property Address	93 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	73062-127
Book / Page	73062 / 127
Instrument Date	Aug 1, 2019
Instrument	115203
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	93 HARBOR ST, PEPPERELL, MA 01463-1261

Mortgage

Document Number	73062-131
Date	Aug 6, 2019
Book Page	73062/131
Instrument	115204

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	$6,616.00 (+6.49%)	$480,100 (+13.04%) Land $150,100 Building $330,000	$471,459 (+5.88%)
2025	$6,213.00 (+9.96%)	$424,700 (+7.87%) Land $150,100 Building $274,600	$445,265 (+1.6%)
2024	$5,650.00 (+2.56%)	$393,700 (+8.19%) Land $135,800 Building $257,900	$438,235
2023	$5,509.00	$363,900 Land $114,300 Building $249,600

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

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

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.

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 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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