12 S Acton Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 12 S Acton Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,540 sqft · built 1956
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$695,000 (Apr 2026)
Tax Bill	$10,456 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-21 000031`

Property Details

APN / Parcel Number

Primary APN	`R-21 000031`
Alternative APNs	`STOW M:000R-21 P:031` `M:000R=21 P:031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	3,540 sqft
1st Floor Area	1,540 sqft
Basement Area	1,540 sqft
Unfinished Basement	1,540 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,916 sqft (1.1 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-21 000031
Street Address	12 S ACTON RD
City	STOW
State	MA
Zip	01775-1148
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	1003
Census Tract	323102

Owner

Source: Middlesex County and Stow 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 S ACTON RD, STOW, MA 01775-1148
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BANK
Dec 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FIN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Deed Document Number	202644697
Deed Book / Page	85498 / 271
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Apr 22, 2026
Property Address	12 S ACTON RD, STOW, MA 01775-1148
Document Number	085498-271
Book / Page	85498 / 271
Instrument Date	Apr 11, 2026
Instrument	202644697
Transaction Type	Transfer
Record Updated	Jul 6, 2026

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
Relationship	Tenants by the Entirety
Address	12 S ACTON RD, STOW, MA 01775-1148

Mortgage

Date	Apr 22, 2026

Lender

Name	CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.11%
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	12 S ACTON RD, STOW, MA 01775-1148
Document Number	72088-197
Instrument Date	Dec 23, 2018
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 S ACTON RD STOW MA 017751148, STOW, MA 01775-1148

Mortgage

Document Number	72088-197
Date	Jan 3, 2019
Book Page	072088/000197
Instrument	950

Lender

Name	POINT DIGITAL FIN INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$10,456.00 (+13.41%)	$585,100 (+10.54%) Land $345,700 Building $239,400	$655,014 (+37.76%)
2025	$9,220.00 (-5.49%)	$529,300 (-7.93%) Land $329,200 Building $200,100	$475,475
2024	$9,756.00 (+10.36%)	$574,900 (+17.9%) Land $317,500 Building $257,400
2023	$8,840.00	$487,600 Land $303,100 Building $184,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

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 (outdoors only) and 4G LTE

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