12 Captain Handley Rd, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 12 Captain Handley Rd, Acton, MA 01720

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,962 sqft · built 1997
Lot Size	0.81 acres (35,295 sqft)
Owner	Individual Name on Record
Last Sale	$810,000 (Apr 2019)
Tax Bill	$18,200 (2025)
Deeds & Mortgages	May 2021 Refinance Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00C5 B:0010 L:0002`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00C5 B:0010 L:0002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,962 sqft Living Area
Gross Area	5,810 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,295 sqft (0.81 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 CAPTAIN HANDLEY RD
City	ACTON
State	MA
Zip	01720-4167
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R108
Legal Block	10
Legal Lot Number	2
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1000
Census Tract	363106

Owner

Source: Middlesex County and Acton Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Apr 23, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2019 · Amount on Record
Deed Sale	Apr 23, 2019 · Amount on Record
Prior Sale	May 16, 1997 · Amount on Record
Deed Document Number	201950768
Deed Book / Page	72494 / 220
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77840-394
Date	May 24, 2021
Book Page	77840/394
Instrument	116819

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75989-464
Date	Oct 26, 2020
Book Page	75989/464
Instrument	196558

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2030

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167
Document Number	73433-382
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CAPTAIN HANDLEY RD #12 ACTON MA 017204167, 12, ACTON, MA 01720-4167

Mortgage

Document Number	73433-382
Date	Oct 9, 2019
Book Page	073433/000382
Instrument	155635

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 8, 2034

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Apr 23, 2019
Property Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167
Document Number	72494-220
Book / Page	72494 / 220
Instrument Date	Apr 23, 2019
Instrument	50768
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	12 CAPTAIN HANDLEY RD, ACTON, MA 01720-4167

Mortgage

Document Number	50769
Date	Apr 23, 2019
Instrument	50769

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2024

Tax Assessment & Valuation

Source: Middlesex County and Acton Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,200.00 (+12.64%)	$1,061,200 (+9.48%) Building $1,061,200	$1,176,385 (+2.05%)
2024	$16,158.00 (-6.38%)	$969,300 (-1.38%) Building $969,300	$1,152,730
2023	$17,260.00	$982,900 Building $982,900

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	1 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2024
Lead	4 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	22 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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