10 Lower Rd, Hudson, MA 01749 Property Records

Middlesex County and Hudson Town property record for 10 Lower Rd, Hudson, MA 01749 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,537 sqft · built 1986
Lot Size	0.96 acres (41,818 sqft)
Owner	2 Individual Names on File
Last Sale	$512,500 (Jan 2018)
Tax Bill	$10,010 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55156`

Property Details

APN / Parcel Number

Primary APN	`55156`
Alternative APN	`HUDS M:0055 B:0000 L:0156`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,537 sqft Living Area
Gross Area	4,978 sqft
1st Floor Area	1,756 sqft
Basement Area	382 sqft
Unfinished Basement	382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,818 sqft (0.96 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	55156
Street Address	10 LOWER RD
City	HUDSON
State	MA
Zip	01749-3242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	156
Jurisdiction	HUDSON MA
Township / Civil Division	HUDSON
Census Block Group	2
Census Block	2017
Census Tract	322100

Owner

Source: Middlesex County and Hudson Town records · APN 55156

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	10 LOWER RD, HUDSON, MA 01749-3242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Jan 26, 2018	Quit Claim Deed, Transfer · FHA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 26, 2018 · Amount on Record
Deed Sale	Jan 26, 2018 · Amount on Record
Prior Sale	Dec 01, 1999 · Amount on Record
Deed Book / Page	70559 / 77
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUDSON MA
Property Address	10 LOWER RD, HUDSON, MA 01749-3242
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0083049-58
Date	Jul 26, 2024
Book Page	83049/58
Instrument	82224

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2049

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUDSON MA
Property Address	10 LOWER RD, HUDSON, MA 01749-3242
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75098-339
Date	Jul 13, 2020
Book Page	75098/339
Instrument	111936

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HUDSON MA
Recording Date	Jan 26, 2018
Property Address	10 LOWER RD, HUDSON, MA 01749-3242
Document Number	70559-77
Book / Page	70559 / 77
Instrument	12746
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$70.02
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 LOWER RD, HUDSON, MA 01749-3242

Mortgage

Document Number	705590080
Date	Jan 26, 2018
Instrument	70559/0080

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2048

Tax Assessment & Valuation

Source: Middlesex County and Hudson Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Hudson Town
Unified School District	Hudson School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,010.00 (+4.38%)	$721,200 (+5.28%) Land $239,800 Building $481,400	$723,045 (+10.59%)
2024	$9,590.00 (+5.86%)	$685,000 (+10.39%) Land $218,100 Building $466,900	$653,790
2023	$9,059.00	$620,500 Land $209,800 Building $410,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173221002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Jan 1979, tidal / storm surge

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 166 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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