12 Terrace Rd, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 12 Terrace Rd, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,176 sqft · built 1950
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Trust Names on File
Last Sale	$395,000 (Jun 2009)
Tax Bill	$7,766 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`28-00000003`

Property Details

APN / Parcel Number

Primary APN	`28-00000003`
Alternative APN	`NATI M:00000028 P:00000003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2004
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	28-00000003
Street Address	12 TERRACE RD
City	NATICK
State	MA
Zip	01760-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	4
Census Block	4005
Census Tract	382200

Owner

12 Terrace Rd is owner-occupied and held in a trust since June 2025.

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner of Record	2 Trust Names on File
Mailing Address	12 TERRACE RD, NATICK, MA 01760-2911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Line of Credit METRO CU
Sep 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2009 · Amount on File
Deed Sale	Jun 26, 2009 · Amount on File
Prior Sale	Apr 9, 2003 · Amount on File
Last Transfer Date	Jun 24, 2025
Transfer Doc	084269-426
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	12 TERRACE RD, NATICK, MA 01760-2911
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78861-326
Date	Oct 6, 2021
Book Page	78861/326
Instrument	220912

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	12 TERRACE RD, NATICK, MA 01760-2911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75620-394
Date	Sep 15, 2020
Book Page	75620/394
Instrument	162216

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 12 Terrace Rd was $7,766, up 3.7% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,766.00 (+3.66%)	$649,300 (+6.25%) Land $450,000 Building $199,300	$702,050
2024	$7,492.00 (+2.79%)	$611,100 (+5.96%) Land $425,000 Building $186,100
2023	$7,289.00	$576,700 Land $400,000 Building $176,700

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

Flood

FEMA maps place 12 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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 Terrace Rd is low, with less than 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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