123 Eliot St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 123 Eliot St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,618 sqft · built 1910
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Trust Names on File
Tax Bill	$12,736 (2025)
Deeds & Mortgages	Jul 2023 Transfer Feb 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`63-0000040A`

Property Details

APN / Parcel Number

Primary APN	`63-0000040A`
Alternative APN	`NATI M:00000063 P:0000040A`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,618 sqft Living Area
1st Floor Area	1,123 sqft
Basement Area	385 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	46,609 sqft (1.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	63-0000040A
Street Address	123 ELIOT ST
City	NATICK
State	MA
Zip	01760-5506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2010
Census Tract	382300

Owner

123 Eliot St is owner-occupied and held in a trust since June 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	123 ELIOT ST, NATICK, MA 01760-5506
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Jul 17, 2023	Quit Claim Deed, Transfer Quitclaim
Feb 22, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 30, 2023
Transfer Doc	081776-213
Record Updated	Jun 8, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jul 17, 2023
Property Address	123 ELIOT ST, NATICK, MA 01760-5506
Document Number	081776-213
Book / Page	81776 / 213
Instrument Date	Jun 30, 2023
Instrument	78146
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 ELIOT ST, NATICK, MA 01760-5506

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	123 ELIOT ST, NATICK, MA 01760-5506
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77014-403
Date	Feb 22, 2021
Book Page	77014/403
Instrument	38418

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	123 ELIOT ST, NATICK, MA 01760-5506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75271-416
Date	Jul 31, 2020
Book Page	75271/416
Instrument	128180

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 123 Eliot St was $12,736, 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
2025	$12,736.00 (+3.73%)	$1,064,900 (+6.33%) Land $504,800 Building $560,100
2024	$12,278.00 (+0.42%)	$1,001,500 (+3.54%) Land $478,200 Building $523,300
2023	$12,227.00	$967,300 Land $478,200 Building $489,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 123 Eliot St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation

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 123 Eliot St 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 94% of the US · lower than 88% 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: Astound Broadband, T-Mobile.

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