121 Oak St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 121 Oak St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,363 sqft · built 1999
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,594 (2025)
Deeds & Mortgages	Jul 2025 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-0000122B`

Property Details

APN / Parcel Number

Primary APN	`15-0000122B`
Alternative APN	`NATI M:00000015 P:0000122B`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,363 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	15,002 sqft (0.344 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15-0000122B
Street Address	121 OAK ST
City	NATICK
State	MA
Zip	01760-1938
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1016
Census Tract	382100

Owner

Source: Middlesex County and Natick Town records, as of April 14, 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	121 OAK ST, NATICK, MA 01760-1938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2025	Deed of Trust, Mortgage · Line of Credit FALL RIVER FIVE CENTS SAVINGS BANK
Sep 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Apr 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2015
Deed Sale	Feb 6, 2015
Prior Sale	Jul 30, 2008 · Amount on Record
Deed Document Number	201516828
Deed Book / Page	64885 / 86
Transfer Doc	64885-86
Record Updated	Jun 8, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	121 OAK ST, NATICK, MA 01760-1938
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084401-533
Date	Jul 24, 2025
Book Page	84401/533
Instrument	86940

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2045

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	121 OAK ST, NATICK, MA 01760-1938
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78636-51
Date	Sep 7, 2021
Book Page	78636/51
Instrument	198735

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	121 OAK ST, NATICK, MA 01760-1938
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74530-266
Date	Apr 24, 2020
Book Page	74530/266
Instrument	60424

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

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	$10,594.00 (+3.42%)	$885,800 (+6.01%) Land $392,100 Building $493,700	$1,034,550
2024	$10,244.00 (+4.01%)	$835,600 (+7.24%) Land $369,000 Building $466,600
2023	$9,849.00	$779,200 Land $354,300 Building $424,900

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	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 327 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.

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