12 Joyce St, West Townsend, MA 01474 Property Records

Middlesex County and Townsend Town property record for 12 Joyce St, West Townsend, MA 01474

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,030 sqft · built 1974
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on File
Last Sale	$284,000 (Mar 2006)
Tax Bill	$5,748 (2026)
Deeds & Mortgages	Dec 2020 Refinance Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0011 B:0042 L:0011`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0011 B:0042 L:0011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
Gross Area	2,848 sqft
Basement Area	864 sqft
Unfinished Basement	518 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	12 JOYCE ST
City	WEST TOWNSEND
State	MA
Zip	01474-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	42
Legal Lot Number	11
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	2
Census Block	2011
Census Tract	301101

Owner

12 Joyce St is owned and occupied by two individuals who bought it in March 2006.

Source: Middlesex County and Townsend 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	12 JOYCE ST, WEST TOWNSEND, MA 01474-1007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Apr 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Feb 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2006 · Amount on File
Deed Sale	Mar 21, 2006 · Amount on File
Deed Document Number	200649113
Deed Book / Page	47139 / 232
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 JOYCE ST, TOWNSEND, MA 01474-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76545-233
Date	Dec 28, 2020
Book Page	76545/233
Instrument	249237

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 JOYCE ST, TOWNSEND, MA 01474-1007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74525-284
Date	Apr 23, 2020
Book Page	74525/284
Instrument	59896

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 JOYCE ST, TOWNSEND, MA 01474-1007
Document Number	70620-509
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	70620-509
Date	Feb 13, 2018
Book Page	070620/000509
Instrument	20447

Lender

Name	JG WENTWORTH HM LNDG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 12 Joyce St was $5,748, up 4.4% from the year before.

Source: Middlesex County and Townsend Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Townsend Town
Unified School District	North Middlesex School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,748.00 (+4.41%)	$418,000 (+10.26%) Land $103,000 Building $315,000	$432,155 (-)
2025	$5,505.00 (+2.78%)	$379,100 (+1.99%) Land $90,600 Building $288,500	$432,155 (+0.78%)
2024	$5,356.00 (+1.42%)	$371,700 (+7.4%) Land $90,600 Building $281,100	$428,830
2023	$5,281.00	$346,100 Land $78,300 Building $267,800

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

Flood

FEMA maps place 12 Joyce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	3 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Oct 2017 · river or lake flooding

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 Joyce St 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 67% of the US · above 98.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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