97 Chestnut St, Pepperell, MA 01463 Property Records

Middlesex County and Pepperell Town property record for 97 Chestnut St, Pepperell, MA 01463

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,378 sqft · built 1976
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Oct 2022)
Tax Bill	$6,918 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PEPP M:0007 B:0313 L:00000`

Property Details

APN / Parcel Number

Primary APN	`PEPP M:0007 B:0313 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,378 sqft Living Area
Gross Area	2,186 sqft
Basement Area	960 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	80,150 sqft (1.84 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 CHESTNUT ST
City	PEPPERELL
State	MA
Zip	01463-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RUR
Legal Block	313
Jurisdiction	PEPPERELL MA
Township / Civil Division	PEPPERELL
Census Block Group	2
Census Block	2003
Census Tract	327101

Owner

97 Chestnut St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 CHESTNUT ST, PEPPERELL, MA 01463-1019
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Deed Document Number	2022153753
Deed Book / Page	80824 / 272
Prior Transfer Date	Oct 13, 2022
Prior Transfer Doc	080824-272
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PEPPERELL MA
Recording Date	Oct 14, 2022
Property Address	97 CHESTNUT ST, PEPPERELL, MA 01463-1019
Document Number	080824-272
Book / Page	80824 / 272
Instrument Date	Oct 13, 2022
Instrument	153753
Transaction Type	Transfer
Record Updated	Nov 4, 2022

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	97 CHESTNUT ST, PEPPERELL, MA 01463-1019

Mortgage

Document Number	0000153754
Date	Oct 14, 2022
Instrument	153754

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Nov 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 97 Chestnut St was $6,918, down 1.6% 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	$6,918.00 (-1.57%)	$502,000 (+4.5%) Land $159,700 Building $342,300	$526,965 (-)
2025	$7,028.00 (+9.54%)	$480,400 (+7.45%) Land $159,700 Building $320,700	$526,965 (+8.32%)
2024	$6,416.00 (+9.02%)	$447,100 (+15.02%) Land $144,500 Building $302,600	$486,495
2023	$5,885.00	$388,700 Land $121,700 Building $267,000

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

Flood

FEMA maps place 97 Chestnut St 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
Nearby Flood Policies	1 in force

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 97 Chestnut 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 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 37 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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