115 W Acton Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 115 W Acton Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,923 sqft · built 1976
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on File
Last Sale	$577,000 (Jul 2018)
Tax Bill	$12,945 (2026)
Deeds & Mortgages	May 2020 Refinance Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-21 0023-2`

Property Details

APN / Parcel Number

Primary APN	`R-21 0023-2`
Alternative APNs	`STOW M:000R-21 P:023-2` `M:000R=21 P:023 =2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,923 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	1,065 sqft
Basement Area	1,065 sqft
Unfinished Basement	1,065 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,518 sqft (1.55 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-21 0023-2
Street Address	115 W ACTON RD
City	STOW
State	MA
Zip	01775-2113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	1
Census Block	1004
Census Tract	323102

Owner

115 W Acton Rd is owned and occupied by two individuals who bought it in July 2018.

Source: Middlesex County and Stow Town records, as of October 20, 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 Individual Names on File
Mailing Address	115 W ACTON RD, STOW, MA 01775-2113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Jul 10, 2018	Quit Claim Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2018 · Amount on File
Deed Sale	Jul 10, 2018 · Amount on File
Prior Sale	Jun 29, 2007 · Amount on File
Deed Book / Page	71291 / 382
Transfer Doc	071291-382
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	115 W ACTON RD, STOW, MA 01775-2113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74590-141
Date	May 1, 2020
Book Page	74590/141
Instrument	65511

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jul 10, 2018
Property Address	115 W ACTON RD, STOW, MA 01775-2113
Document Number	71291-382
Book / Page	071291 / 000382
Instrument Date	Jul 10, 2018
Instrument	101779
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,631.12
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 W ACTON RD STOW MA 017752113, STOW, MA 01775-2113

Mortgage

Document Number	71291-385
Date	Jul 10, 2018
Book Page	071291/000385
Instrument	101780

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 115 W Acton Rd was $12,945, up 1% from the year before.

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	$12,945.00 (+0.95%)	$724,400 (-1.59%) Land $368,000 Building $356,400	$785,355 (+37.55%)
2025	$12,823.00 (+4.41%)	$736,100 (+1.71%) Land $350,500 Building $385,600	$570,950
2024	$12,281.00 (+5.28%)	$723,700 (+12.48%) Land $338,100 Building $385,600
2023	$11,665.00	$643,400 Land $322,700 Building $320,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 115 W Acton Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 115 W Acton Rd is low, with a 0.02% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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