11 Chestnut St, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 11 Chestnut St, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,001 sqft · built 1880
Lot Size	4.2 acres (182,952 sqft)
Owner	2 Individual Names on File
Last Sale	$775,000 (Oct 2025)
Tax Bill	$10,713 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Aug 2025 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`U-7 000048`

Property Details

APN / Parcel Number

Primary APN	`U-7 000048`
Alternative APNs	`STOW M:000U-7 P:048` `M:000U=7 P:048`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,001 sqft Living Area
Gross Area	4,060 sqft
1st Floor Area	1,180 sqft
Basement Area	1,180 sqft
Unfinished Basement	1,180 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	182,952 sqft (4.2 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	U-7 000048
Street Address	11 CHESTNUT ST
City	STOW
State	MA
Zip	01775-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2054
Census Tract	323101

Owner

Source: Middlesex County and Stow Town records · APN U-7 000048

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	11 CHESTNUT ST, STOW, MA 01775-1516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 08, 2022	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Aug 08, 2025	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Oct 23, 2025	Quit Claim Deed, Transfer SAGE HOME LOANS CORP
Mar 06, 2018	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Apr 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jun 28, 2013 · Amount on Record
Deed Document Number	2025128729
Deed Book / Page	84773 / 236
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 CHESTNUT ST, STOW, MA 01775-1516
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079948-448
Date	Apr 08, 2022
Book Page	79948/448
Instrument	52938

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Interest

Rate Type	Adjustable Rate

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 CHESTNUT ST, STOW, MA 01775-1516
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084471-59
Date	Aug 08, 2025
Book Page	84471/59
Instrument	94865

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Interest

Rate Type	Adjustable Rate

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Oct 23, 2025
Property Address	11 CHESTNUT ST, STOW, MA 01775-1516
Document Number	084773-236
Book / Page	84773 / 236
Instrument Date	Oct 22, 2025
Instrument	128729
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	11 CHESTNUT ST, STOW, MA 01775-1516

Mortgage

Document Number	0000128730
Date	Oct 23, 2025
Instrument	128730

Lender

Name	SAGE HOME LOANS CORP

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 CHESTNUT ST, STOW, MA 01775-1516
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70701-372
Date	Mar 06, 2018
Book Page	70701/372
Instrument	30361

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 01, 2038

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 CHESTNUT ST, STOW, MA 01775-1516
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74555-491
Date	Apr 28, 2020
Book Page	74555/491
Instrument	62545

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2035

Tax Assessment & Valuation

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

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	$10,713.00 (+8.06%)	$615,000 (+5.27%) Land $385,900 Building $229,100	$716,110
2024	$9,914.00 (-1.21%)	$584,200 (+5.55%) Land $355,100 Building $229,100
2023	$10,035.00	$553,500 Land $324,400 Building $229,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 68 locations within half a mile of this property.

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