10 Penacook Ln, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 10 Penacook Ln, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,648 sqft · built 1992
Lot Size	0.661 acres (28,793 sqft)
Owner	2 Trust Names on File
Last Sale	$1,300,000 (Jun 2021)
Tax Bill	$16,325 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`45-0000048A`

Property Details

APN / Parcel Number

Primary APN	`45-0000048A`
Alternative APN	`NATI M:00000045 P:0000048A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,648 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Unfinished Basement	676 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	28,793 sqft (0.661 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	45-0000048A
Street Address	10 PENACOOK LN
City	NATICK
State	MA
Zip	01760-3663
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	4002
Census Tract	382300

Owner

10 Penacook Ln is owner-occupied and held in a trust since December 2023.

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	10 PENACOOK LN, NATICK, MA 01760-3663
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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

Date	Document
Jan 11, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Jun 2, 1992 · Amount on File
Deed Document Number	2021148368
Deed Book / Page	78144 / 510
Last Transfer Date	Dec 19, 2023
Transfer Doc	082388-111
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jan 11, 2024
Property Address	10 PENACOOK LN, NATICK, MA 01760-3663
Document Number	082388-111
Book / Page	82388 / 111
Instrument Date	Dec 19, 2023
Instrument	3365
Transaction Type	Transfer
Record Updated	Jan 26, 2024

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	10 PENACOOK LN, NATICK, MA 01760-3663

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jun 30, 2021
Property Address	10 PENACOOK LN, NATICK, MA 01760-3663
Document Number	078144-510
Book / Page	78144 / 510
Instrument Date	Jun 30, 2021
Instrument	148368
Transaction Type	Transfer
Record Updated	May 10, 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	10 PENACOOK LN, NATICK, MA 01760-3663

Mortgage

Document Number	0000148369
Date	Jun 30, 2021
Instrument	148369

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10 Penacook Ln was $16,325, up 3.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,325.00 (+3.42%)	$1,365,000 (+6.02%) Land $519,700 Building $845,300	$1,470,790
2024	$15,785.00 (+8.35%)	$1,287,500 (+11.7%) Land $492,300 Building $795,200
2023	$14,569.00	$1,152,600 Land $455,500 Building $697,100

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

Flood

FEMA maps place 10 Penacook Ln in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	24 (1979–2024)
Claims Outside the SFHA	4 of 24
Most Recent Claim	Jan 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2010 · 11 claims Severe Storms & Flooding, Apr 1987 · 4 claims

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 10 Penacook Ln 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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 301 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

May also be available: T-Mobile.

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