Middlesex County and Natick Town property record for 109 Oak St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,310 sqft · built 2012 |
| Lot Size | 0.184 acres (8,002 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $11,522 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-0000011B |
| Primary APN | 15-0000011B |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,310 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Attic | Attic |
| Attic Area | 676 sqft |
| Basement Area | 396 sqft |
| Unfinished Basement | 396 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Lot Area | 8,002 sqft (0.184 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 15-0000011B |
|---|---|
| Street Address | 109 OAK ST |
| City | NATICK |
| State | MA |
| Zip | 01760-1936 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSA |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 382100 |
109 Oak St is owner-occupied and held in a trust.
Source: Middlesex County and Natick Town records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 109 OAK ST, NATICK, MA 01760-1936 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 5, 2017 | Deed of Trust, Mortgage FAMILY FSLA |
| Jul 26, 2019 | Deed of Trust, Mortgage · Balloon Mortgage FAMILY FSLA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 109 OAK ST, NATICK, MA 01760-1936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69556-463 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 69556/463 |
| Instrument | 104029 |
| Name | FAMILY FSLA |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 109 OAK ST, NATICK, MA 01760-1936 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72995-154 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 72995/154 |
| Instrument | 107986 |
| Name | FAMILY FSLA |
|---|---|
| Type | Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 109 Oak St was $11,522, up 3.5% 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 | $11,522.00 (+3.5%) | $963,400 (+6.1%) Land $363,400 Building $600,000 | $1,161,375 |
| 2024 | $11,132.00 (+4.08%) | $908,000 (+7.3%) Land $342,000 Building $566,000 | |
| 2023 | $10,696.00 | $846,200 Land $329,200 Building $517,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 3 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · 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.
The area around 109 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 327 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 | 980 / 880 |
May also be available: T-Mobile.
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