108 School St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 108 School St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,142 sqft · built 2014
Lot Size	0.588 acres (25,625 sqft)
Owner	Individual Name on Record
Last Sale	$1,210,000 (May 2025)
Tax Bill	$19,040 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H3A-21`

Property Details

APN / Parcel Number

Primary APN	`H3A-21`
Alternative APN	`ACTO M:00H3A B:0021 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	4,953 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,625 sqft (0.588 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	H3A-21
Street Address	108 SCHOOL ST
City	ACTON
State	MA
Zip	01720-4416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	21
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1014
Census Tract	363104

Owner

Source: Middlesex County and Acton Town records, as of July 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	108 SCHOOL ST, ACTON, MA 01720-4416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2025	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
May 28, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SALEM FIVE MORTGAGE CORP
Aug 1, 2018	Deed of Trust, Mortgage · ARM MIDDLESEX SAVINGS BANK
Aug 17, 2020	Deed of Trust, Mortgage · ARM MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2025 · Amount on Record
Deed Sale	May 28, 2025 · Amount on Record
Prior Sale	Nov 1, 2013 · Amount on Record
Deed Book / Page	84144 / 425
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	108 SCHOOL ST, ACTON, MA 01720-4416
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083722-199
Date	Jan 29, 2025
Book Page	83722/199
Instrument	9823

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	May 28, 2025
Property Address	108 SCHOOL ST, ACTON, MA 01720-4416
Document Number	084144-425
Book / Page	84144 / 425
Instrument Date	May 28, 2025
Instrument	58388
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	108 SCHOOL ST, ACTON, MA 01720-4416
Investor	Possibly a Property Investor

Mortgage

Document Number	0000058389
Date	May 28, 2025
Instrument	58389

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	108 SCHOOL ST, ACTON, MA 01720-4416
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71411-511
Date	Aug 1, 2018
Book Page	71411/511
Instrument	116577

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	108 SCHOOL ST, ACTON, MA 01720-4416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75379-423
Date	Aug 17, 2020
Book Page	75379/423
Instrument	139215

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Sep 1, 2025
Index	3-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$19,040.00 (+5.4%)	$1,110,200 (+2.45%) Land $318,800 Building $791,400	$1,142,090 (-6.36%)
2024	$18,064.00 (+2.24%)	$1,083,600 (+7.69%) Land $318,800 Building $764,800	$1,219,705
2023	$17,669.00	$1,006,200 Land $289,600 Building $716,600

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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (1980–2017)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Aug 2017 · rainfall accumulation

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 99.1% of the US · lower than 98.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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