109 Prospect St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 109 Prospect St, Acton, MA 01720 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,992 sqft · built 1960
Lot Size	0.827 acres (36,020 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Apr 2020)
Tax Bill	$11,271 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00G2 B:0046 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00G2 B:0046 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,992 sqft Living Area
Gross Area	3,942 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,020 sqft (0.827 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	109 PROSPECT ST
City	ACTON
State	MA
Zip	01720-3632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	46
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	2
Census Block	2001
Census Tract	363202

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00G2 B:0046 L:0000

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	109 PROSPECT ST, ACTON, MA 01720-3632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 05, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 09, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE
Mar 09, 2021	Quit Claim Deed, Transfer Quitclaim
Nov 14, 2017	Deed of Trust, Mortgage MIDDLESEX SAVINGS BANK
Apr 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 21, 2020 · Amount on Record
Deed Sale	Apr 21, 2020 · Amount on Record
Prior Sale	Apr 25, 2006 · Amount on Record
Deed Document Number	202058612
Deed Book / Page	74509 / 564
Last Transfer Date	Feb 17, 2021
Transfer Doc	77178-39
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084969-10
Date	Dec 05, 2025
Book Page	84969/10
Instrument	149327

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 01, 2050

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077178-43
Date	Mar 09, 2021
Book Page	77178/43
Instrument	52532

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Mar 09, 2021
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Document Number	0077178-39
Book / Page	77178 / 39
Instrument Date	Feb 17, 2021
Instrument	52531
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	109 PROSPECT ST, ACTON, MA 01720-3632

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70233-324
Date	Nov 14, 2017
Book Page	70233/324
Instrument	185377

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 01, 2032

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Apr 21, 2020
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Document Number	74509-564
Book / Page	074509 / 000564
Instrument Date	Apr 08, 2020
Instrument	58612
Transaction Type	Transfer
Record Updated	May 05, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$2,782.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 PROSPECT ST ACTON MA 017203632, ACTON, MA 01720-3632

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Sep 12, 2017
Property Address	109 PROSPECT ST, ACTON, MA 01720-3632
Document Number	69917-559
Book / Page	069917 / 000559
Instrument Date	Sep 01, 2017
Instrument	147717
Transaction Type	Transfer
Record Updated	Oct 04, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 PROSPECT ST ACTON MA 017203632, ACTON, MA 01720-3632

Tax Assessment & Valuation

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

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	$11,271.00 (+5.59%)	$657,200 (+2.64%) Land $283,800 Building $373,400	$796,005 (+3.74%)
2024	$10,674.00 (+10.15%)	$640,300 (+16.04%) Land $283,800 Building $356,500	$767,315
2023	$9,690.00	$551,800 Land $258,300 Building $293,500

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 250173632022, 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1991–2001)
Most Recent Claim	Jun 2001, rainfall accumulation

Wildfire

Wildfire Risk	Low above 5% of the US · above 10% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 84 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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