12 Ryan Rd, West Townsend, MA 01474 Property Records

Middlesex County and Townsend Town property record for 12 Ryan Rd, West Townsend, MA 01474

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,408 sqft · built 1988
Lot Size	1.44 acres (62,726 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,900 (Feb 2005)
Tax Bill	$7,528 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0009 B:0010 L:0006`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0009 B:0010 L:0006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,408 sqft Living Area
Gross Area	4,056 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,726 sqft (1.44 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 RYAN RD
City	WEST TOWNSEND
State	MA
Zip	01474-1147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	10
Legal Lot Number	6
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	3
Census Block	3013
Census Tract	301102

Owner

Source: Middlesex County and Townsend 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	12 RYAN RD, WEST TOWNSEND, MA 01474-1147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2025	Deed of Trust, Mortgage · Line of Credit BELLWETHER COMMUNITY CREDIT UNION
Nov 13, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Mar 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BELLWETHER COMMUNITY CREDIT UNION
Mar 8, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2005 · Amount on Record
Deed Sale	Feb 17, 2005 · Amount on Record
Prior Sale	May 22, 2002 · Amount on Record
Deed Document Number	200533340
Deed Book / Page	44657 / 368
Last Transfer Date	Mar 8, 2022
Transfer Doc	079787-584
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 RYAN RD, TOWNSEND, MA 01474-1147
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084214-138
Date	Jun 11, 2025
Book Page	84214/138
Instrument	65864

Lender

Name	BELLWETHER COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2050

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 RYAN RD, TOWNSEND, MA 01474-1147
Transaction Type	Mortgage
Record Updated	Dec 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082200-518
Date	Nov 13, 2023
Book Page	82200/518
Instrument	129331

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2043

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	12 RYAN RD, TOWNSEND, MA 01474-1147
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079788-1
Date	Mar 8, 2022
Book Page	79788/1
Instrument	35197

Lender

Name	BELLWETHER COMMUNITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOWNSEND MA
Recording Date	Mar 8, 2022
Property Address	12 RYAN RD, TOWNSEND, MA 01474-1147
Document Number	079787-584
Book / Page	79787 / 584
Instrument Date	Mar 8, 2022
Instrument	35196
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RYAN RD, TOWNSEND, MA 01474-1147

Tax Assessment & Valuation

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	$7,528.00 (+0.84%)	$547,500 (+6.5%) Land $110,900 Building $421,500	$526,395 (-)
2025	$7,465.00 (+2.77%)	$514,100 (+1.98%) Land $97,800 Building $416,300	$526,395 (+0.49%)
2024	$7,264.00 (-0.32%)	$504,100 (+5.57%) Land $97,800 Building $406,300	$523,830
2023	$7,287.00	$477,500 Land $84,800 Building $392,700

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	2 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	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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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