95 Harbor St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 95 Harbor St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,554 sqft · built 1973
Lot Size	1.44 acres (62,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Sep 2017)
Tax Bill	$6,161 (2026)
Deeds & Mortgages	Mar 2023 Transfer Sep 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0032 B:0019 L:0000F`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,554 sqft Living Area
Gross Area	2,322 sqft
Basement Area	920 sqft
Unfinished Basement	460 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	62,800 sqft (1.44 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	95 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	F
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	2 Individual Names on Record
Mailing Address	95 HARBOR ST, PEPPERELL, MA 01463-1261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 29, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Mar 21, 2017	Quit Claim Deed, Transfer UNIVERSAL CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Mar 21, 2017 · Amount on Record
Deed Book / Page	70009 / 89
Last Transfer Date	Mar 15, 2023
Transfer Doc	081331-338
Record Updated	Oct 29, 2026

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Mar 15, 2023
Property Address	95 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	081331-338
Book / Page	81331 / 338
Instrument Date	Mar 15, 2023
Instrument	25822
Transaction Type	Transfer
Record Updated	Mar 31, 2023

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
Relationship	Tenants by the Entirety
Address	95 HARBOR ST, PEPPERELL, MA 01463-1261

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Sep 29, 2017
Property Address	95 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	70009-89
Book / Page	070009 / 000089
Instrument Date	Sep 27, 2017
Instrument	158297
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.24
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 HARBOR ST PEPPERELL MA 014631261, PEPPERELL, MA 01463-1261

Mortgage

Document Number	70009-93
Date	Sep 29, 2017
Book Page	070009/000093
Instrument	158298

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Mar 21, 2017
Property Address	95 HARBOR ST, PEPPERELL, MA 01463-1261
Document Number	69034-582
Book / Page	069034 / 000582
Instrument Date	Mar 1, 2017
Instrument	41621
Transaction Type	Transfer
Record Updated	Apr 11, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$725.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	21 LOWELL ST PEPPERELL MA 014631731, PEPPERELL, MA 01463-1731

Mortgage

Document Number	69035-1
Date	Mar 21, 2017
Book Page	069035/000001
Instrument	41622

Lender

Name	UNIVERSAL CAP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded

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	$6,161.00 (-1.88%)	$447,100 (+4.17%) Land $157,200 Building $289,900	$498,546 (+17.27%)
2025	$6,279.00 (+9.89%)	$429,200 (+7.79%) Land $157,200 Building $272,000	$425,125 (-3.91%)
2024	$5,714.00 (+2.64%)	$398,200 (+8.29%) Land $142,200 Building $256,000	$442,415
2023	$5,567.00	$367,700 Land $119,700 Building $248,000

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 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 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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