122 S Acton Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 122 S Acton Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,958 sqft · built 1976
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (May 2007)
Tax Bill	$12,613 (2026)
Deeds & Mortgages	Sep 2022 Refinance Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-21 0042-6`

Property Details

APN / Parcel Number

Primary APN	`R-21 0042-6`
Alternative APNs	`STOW M:000R-21 P:042-6` `M:000R=21 P:042 =6`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,958 sqft Living Area
Gross Area	4,027 sqft
1st Floor Area	1,876 sqft
Basement Area	1,836 sqft
Unfinished Basement	1,836 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-21 0042-6
Street Address	122 S ACTON RD
City	STOW
State	MA
Zip	01775-2107
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

122 S Acton Rd is owned and occupied by two individuals who bought it in May 2007.

Source: Middlesex County and Stow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	122 S ACTON RD, STOW, MA 01775-2107
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MIT FCU
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC
Apr 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2007 · Amount on File
Deed Sale	May 10, 2007 · Amount on File
Deed Document Number	200786520
Deed Book / Page	49426 / 341
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	122 S ACTON RD, STOW, MA 01775-2107
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080738-587
Date	Sep 21, 2022
Book Page	80738/587
Instrument	143499

Lender

Name	MIT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	122 S ACTON RD, STOW, MA 01775-2107
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77339-235
Date	Mar 26, 2021
Book Page	77339/235
Instrument	67736

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	122 S ACTON RD, STOW, MA 01775-2107
Transaction Type	Mortgage
Record Updated	Mar 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74542-359
Date	Apr 27, 2020
Book Page	74542/359
Instrument	61519

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 122 S Acton Rd was $12,613, up 15.9% from the year before.

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	$12,613.00 (+15.89%)	$705,800 (+12.96%) Land $335,600 Building $370,200	$745,387 (+16.88%)
2025	$10,884.00 (+0.43%)	$624,800 (-2.16%) Land $319,600 Building $305,200	$637,735
2024	$10,837.00 (+1.39%)	$638,600 (+8.33%) Land $308,200 Building $330,400
2023	$10,688.00	$589,500 Land $294,200 Building $295,300

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

Flood

FEMA maps place 122 S Acton Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 122 S Acton Rd 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 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 17 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

Cell Coverage

5G (outdoors only) and 4G LTE

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