Middlesex County and Natick Town property record for 10 Bay State Rd, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,619 sqft · built 1950 |
| Lot Size | 0.274 acres (11,931 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $440,000 (Sep 2006) |
| Tax Bill | $10,819 (2025) |
| Deeds & Mortgages | Dec 2019 Refinance Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 28-00000015 |
| Primary APN | 28-00000015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,619 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Basement Area | 544 sqft |
| Unfinished Basement | 544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Cape Cod |
| Exterior Material | Stucco |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,931 sqft (0.274 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 28-00000015 |
|---|---|
| Street Address | 10 BAY STATE RD |
| City | NATICK |
| State | MA |
| Zip | 01760-2906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 382200 |
10 Bay State Rd is owner-occupied and held in a trust since August 2025.
Source: Middlesex County and Natick Town records, as of April 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 10 BAY STATE RD, NATICK, MA 01760-2906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 12, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC HOME LENDING INC |
| Nov 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ATLANTIC HOME LENDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2006 · Amount on File |
| Deed Sale | Sep 29, 2006 · Amount on File |
| Prior Sale | Sep 13, 1996 · Amount on File |
| Last Transfer Date | Aug 26, 2025 |
| Transfer Doc | 084551-471 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 10 BAY STATE RD, NATICK, MA 01760-2906 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73809-217 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 73809/217 |
| Instrument | 196316 |
| Name | ATLANTIC HOME LENDING INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 193 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 10 BAY STATE RD, NATICK, MA 01760-2906 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76256-118 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 76256/118 |
| Instrument | 222298 |
| Name | ATLANTIC HOME LENDING INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Dec 1, 2030 |
The 2025 property tax bill for 10 Bay State Rd was $10,819, up 4.1% from the year before.
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,819.00 (+4.1%) | $904,600 (+6.71%) Land $454,300 Building $450,300 | $765,890 |
| 2024 | $10,393.00 (+2.99%) | $847,700 (+6.19%) Land $429,100 Building $418,600 | |
| 2023 | $10,091.00 | $798,300 Land $403,500 Building $394,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Bay State Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1978–1979) |
| Most Recent Claim | Jan 1979 · tidal / storm surge |
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 risk around 10 Bay State Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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