98 Spring Rd, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 98 Spring Rd, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,600 sqft · built 1968
Lot Size	1.88 acres (82,178 sqft)
Owner	Trust Name on File
Last Sale	$1,180,000 (Jul 2020)
Tax Bill	$181 (2025)
Deeds & Mortgages	May 2023 Line of Credit Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:00012C B:03045-00006`

Property Details

APN / Parcel Number

Primary APN	`M:00012C B:03045-00006`
Alternative APNs	`CONC M:12C B:3045 L:6` `4990`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	4,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,178 sqft (1.88 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4990
Street Address	98 SPRING RD
City	CONCORD
State	MA
Zip	01742-4730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA
Legal Block	3045
Legal Lot Number	6
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5004
Census Tract	361200

Owner

Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026

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

Owner of Record	Trust Name on File
Mailing Address	98 SPRING RD, CONCORD, MA 01742-4730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Feb 10, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 30, 2017	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Feb 22, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Jul 24, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 24, 2020 · Amount on Record
Deed Sale	Jul 24, 2020 · Amount on Record
Prior Sale	Nov 7, 2003 · Amount on Record
Deed Document Number	2020121874
Deed Book / Page	75204 / 593
Last Transfer Date	Jan 13, 2023
Transfer Doc	081239-160
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081487-558
Date	May 2, 2023
Book Page	81487/558
Instrument	44544

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Feb 10, 2023
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Document Number	081239-160
Book / Page	81239 / 160
Instrument Date	Jan 13, 2023
Instrument	14530
Transaction Type	Transfer
Record Updated	Feb 24, 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
Address	98 SPRING RD, CONCORD, MA 01742-4730

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78403-158
Date	Aug 4, 2021
Book Page	78403/158
Instrument	175209

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69545-86
Date	Jun 30, 2017
Book Page	69545/86
Instrument	102661

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72254-183
Date	Feb 22, 2019
Book Page	72254/183
Instrument	22033

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jul 24, 2020
Property Address	98 SPRING RD, CONCORD, MA 01742-4730
Document Number	75204-593
Book / Page	75204 / 593
Instrument Date	Jul 13, 2020
Instrument	121874
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	98 SPRING RD, CONCORD, MA 01742-4730

Mortgage

Document Number	121875
Date	Jul 24, 2020
Instrument	121875

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Aug 1, 2030
Max Rate At Change	2.25%
Index	LIBOR

Tax Assessment & Valuation

Source: Middlesex County and Concord Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Concord Town
Elementary School District	Concord School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$181.00 (-98.99%)	$1,368,100 (-) Land $681,600 Building $686,500	$1,476,300
2024	$17,963.00 (+6.95%)	$1,368,100 (+5.56%) Land $681,600 Building $686,500
2023	$16,796.00	$1,296,000 Land $641,100 Building $654,900

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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CONCORD WATER DEPT serves 18,788 people · EPA ID MA3067000
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Bromate resolved · Jul 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Town of Concord, Massachusetts Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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