994 Main St, Concord, MA 01742 Property Records

Middlesex County and Concord Town property record for 994 Main St, Concord, MA 01742

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,574 sqft · built 1953
Lot Size	0.24 acres (10,436 sqft)
Owner	2 Individual Names on Record
Last Sale	$621,000 (Jun 2019)
Tax Bill	$120 (2025)
Deeds & Mortgages	Feb 2023 Refinance Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CONC M:9E B:3811`

Property Details

APN / Parcel Number

Primary APN	`CONC M:9E B:3811`
Alternative APNs	`M:00009E B:03811-00000` `2554`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,574 sqft Living Area
Gross Area	4,106 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,436 sqft (0.24 acres)
Garage Type	Basement

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2554
Street Address	994 MAIN ST
City	CONCORD
State	MA
Zip	01742-3206
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Block	3811
Jurisdiction	CONCORD MA
Township / Civil Division	CONCORD
Census Block Group	3
Census Block	3001
Census Tract	361100

Owner

Source: Middlesex County and Concord Town records, 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	2 Individual Names on Record
Mailing Address	994 MAIN ST, CONCORD, MA 01742-3206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP.
Jun 14, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	201981358
Deed Book / Page	72762 / 213
Prior Transfer Date	May 31, 2019
Prior Transfer Doc	72762-213
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	994 MAIN ST, CONCORD, MA 01742-3206
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081227-54
Date	Feb 6, 2023
Book Page	81227/54
Instrument	12951

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Mar 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CONCORD MA
Property Address	994 MAIN ST, CONCORD, MA 01742-3206
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76463-140
Date	Dec 18, 2020
Book Page	76463/140
Instrument	241748

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

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

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CONCORD MA
Recording Date	Jun 14, 2019
Property Address	994 MAIN ST, CONCORD, MA 01742-3206
Document Number	72762-213
Book / Page	072762 / 000213
Instrument Date	May 31, 2019
Instrument	81358
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,831.76
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	994 MAIN ST CONCORD MA 017423206, CONCORD, MA 01742-3206

Mortgage

Document Number	72762-217
Date	Jun 14, 2019
Book Page	072762/000217
Instrument	81359

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2049

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	$120.00 (-98.89%)	$909,100 (+9.99%) Land $420,700 Building $488,400	$818,710
2024	$10,852.00 (+17.48%)	$826,500 (+15.97%) Land $420,700 Building $405,800
2023	$9,237.00	$712,700 Land $382,400 Building $330,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	15 units insured incl. 8 condo units

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Concord Light Broadband Fiber	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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