12 Elm St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 12 Elm St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,410 sqft · built 1953
Lot Size	0.758 acres (33,000 sqft)
Owner	Trust Name on File
Last Sale	$1,280,000 (Dec 2021)
Tax Bill	$20,827 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00E2 B:0228 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00E2 B:0228 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,410 sqft Living Area
Gross Area	6,838 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,000 sqft (0.758 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12 ELM ST
City	ACTON
State	MA
Zip	01720-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	228
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	3
Census Block	3021
Census Tract	363202

Owner

12 Elm St is owner-occupied and held in a trust since December 2021.

Source: Middlesex County and Acton Town records, as of July 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	Trust Name on File
Mailing Address	12 ELM ST, ACTON, MA 01720-2402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2021 · Amount on File
Deed Sale	Dec 17, 2021 · Amount on File
Prior Sale	Aug 15, 2006 · Amount on File
Deed Book / Page	79378 / 216
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Dec 17, 2021
Property Address	12 ELM ST, ACTON, MA 01720-2402
Document Number	079378-216
Book / Page	79378 / 216
Instrument Date	Dec 17, 2021
Instrument	272943
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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 ELM ST, ACTON, MA 01720-2402

Mortgage

Document Number	0000272944
Date	Dec 17, 2021
Instrument	272944

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 12 Elm St was $20,827, up 8.2% from the year before.

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	$20,827.00 (+8.24%)	$1,214,400 (+5.22%) Land $282,500 Building $931,900	$1,411,510 (-0.33%)
2024	$19,241.00	$1,154,200 Land $282,500 Building $871,700	$1,416,165

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

Flood

FEMA maps place 12 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	45 units insured incl. 40 condo units
Nearby Flood Claims	3 (1978–1999)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Feb 1999 · rainfall accumulation

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

Wildfire risk around 12 Elm St is low, with a 0.01% 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	0.01% 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 117 locations within half a mile, as of December 31, 2025

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