10 Whitney Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 10 Whitney Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,046 sqft · built 2002
Lot Size	5.5 acres (239,580 sqft)
Owner	Individual Name on Record
Last Sale	$875,500 (Jun 2018)
Tax Bill	$22,877 (2026)
Deeds & Mortgages	Jun 2021 Refinance Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-16 0037-2`

Property Details

APN / Parcel Number

Primary APN	`R-16 0037-2`
Alternative APNs	`STOW M:000R-16 P:037-2` `M:000R=16 P:037 =2`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,046 sqft Living Area
Gross Area	8,688 sqft
1st Floor Area	1,894 sqft
Attic	Attic
Attic Area	1,590 sqft
Basement Area	1,894 sqft
Unfinished Basement	1,894 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	239,580 sqft (5.5 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-16 0037-2
Street Address	10 WHITNEY RD
City	STOW
State	MA
Zip	01775-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	1
Census Block	1005
Census Tract	323101

Owner

Source: Middlesex County and Stow Town records, as of October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	10 WHITNEY RD, STOW, MA 01775-1202
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Sep 30, 2019	Deed of Trust, Mortgage · ARM DIGITAL FCU
Jun 29, 2018	Quit Claim Deed, Transfer FIRSTRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	Jul 26, 2002 · Amount on Record
Deed Book / Page	71237 / 349
Transfer Doc	071237-349
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	10 WHITNEY RD, STOW, MA 01775-1202
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078040-245
Date	Jun 17, 2021
Book Page	78040/245
Instrument	137437

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Jul 1, 2061

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	10 WHITNEY RD, STOW, MA 01775-1202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73370-566
Date	Sep 30, 2019
Book Page	73370/566
Instrument	149121

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2024

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jun 29, 2018
Property Address	10 WHITNEY RD, STOW, MA 01775-1202
Document Number	71237-349
Book / Page	71237 / 349
Instrument	95326
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$163.77
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 WHITNEY RD, STOW, MA 01775-1202

Mortgage

Document Number	712370359
Date	Jun 29, 2018
Instrument	71237/0359

Lender

Name	FIRSTRUST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2048

Interest

Rate	4.13%
Max Rate At Change	70.1%
Max Rate	2.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$22,877.00 (+5.28%)	$1,280,200 (+2.63%) Land $408,300 Building $871,900	$1,305,397 (+9.29%)
2025	$21,730.00 (+9.68%)	$1,247,400 (+6.84%) Land $388,800 Building $858,600	$1,194,435
2024	$19,812.00 (+15.8%)	$1,167,500 (+23.72%) Land $358,000 Building $809,500
2023	$17,109.00	$943,700 Land $327,300 Building $616,400

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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