11 Pine Ridge Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 11 Pine Ridge Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,600 sqft · built 1977
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Dec 2011)
Tax Bill	$14,473 (2026)
Deeds & Mortgages	Feb 2025 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-15 000130`

Property Details

APN / Parcel Number

Primary APN	`R-15 000130`
Alternative APNs	`STOW M:000R-15 P:130` `M:000R=15 P:130`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,600 sqft Living Area
Gross Area	4,452 sqft
1st Floor Area	1,498 sqft
Basement Area	754 sqft
Unfinished Basement	754 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1998
Architectural Style	Victorian
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R-15 000130
Street Address	11 PINE RIDGE RD
City	STOW
State	MA
Zip	01775-1304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	JUNIPER HILL DEV
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
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	2 Individual Names on Record
Mailing Address	11 PINE RIDGE RD, STOW, MA 01775-1304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2025	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jul 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2011 · Amount on Record
Deed Sale	Dec 29, 2011 · Amount on Record
Prior Sale	May 1, 1998 · Amount on Record
Deed Book / Page	58189 / 160
Transfer Doc	058189-160
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 PINE RIDGE RD, STOW, MA 01775-1304
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00083741-1
Date	Feb 4, 2025
Book Page	83741/1
Instrument	12083

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 PINE RIDGE RD, STOW, MA 01775-1304
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076712-359
Date	Jan 19, 2021
Book Page	76712/359
Instrument	11196

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	11 PINE RIDGE RD, STOW, MA 01775-1304
Document Number	69718-33
Book / Page	069718 / 000033
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	69718-33
Date	Aug 3, 2017
Book Page	069718/000033
Instrument	123676

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2047

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	$14,473.00 (+24.45%)	$809,900 (+21.32%) Land $353,200 Building $456,700	$867,858 (+11.45%)
2025	$11,630.00 (+7.18%)	$667,600 (+4.41%) Land $336,400 Building $331,200	$778,715
2024	$10,851.00 (-10.91%)	$639,400 (-4.82%) Land $308,200 Building $331,200
2023	$12,180.00	$671,800 Land $280,200 Building $391,600

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	JUNIPER HILL WATER COMPANY private · serves 220 people · EPA ID MA2286000
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	5 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	None 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 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

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