13 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 13 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,384 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on File
Last Sale	$508,000 (Apr 2019)
Tax Bill	$12,632 (2026)
Deeds & Mortgages	Oct 2023 Refinance Jul 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-28`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-28`
Alternative APNs	`STOW M:000R-10 P:065A-28` `M:000R=10 P:065A=28`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,384 sqft Living Area
Gross Area	4,253 sqft
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-10 65A-28
Street Address	13 ORCHARD DR
City	STOW
State	MA
Zip	01775-1067
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Legal Subdivision	VILLAGES STOW CONDO
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

13 Orchard Dr, a condominium, is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	13 ORCHARD DR, STOW, MA 01775-1067
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
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Apr 30, 2019	Condominium Deed, Transfer · Conventional Mortgage ROCKLAND TR
Mar 14, 2018	Quit Claim Deed, Transfer Quitclaim
May 8, 2017	Quit Claim Deed, Transfer BERKSHIRE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2019 · Amount on File
Deed Sale	Apr 30, 2019 · Amount on File
Prior Sale	May 8, 2017 · Amount on File
Deed Book / Page	72529 / 26
Transfer Doc	70734-591
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	13 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082096-285
Date	Oct 16, 2023
Book Page	82096/285
Instrument	116466

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	13 ORCHARD DR, STOW, MA 01775-1067
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75212-321
Date	Jul 27, 2020
Book Page	75212/321
Instrument	122603

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

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

April 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Apr 30, 2019
Property Address	13 ORCHARD DR, STOW, MA 01775-1067
Document Number	72529-26
Book / Page	072529 / 000026
Instrument Date	Apr 24, 2019
Instrument	54470
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,316.48
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 ORCHARD DR #28 STOW MA 017751067, 28, STOW, MA 01775-1067

Mortgage

Document Number	72529-29
Date	Apr 30, 2019
Book Page	072529/000029
Instrument	54471

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 29, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Mar 14, 2018
Property Address	13 ORCHARD DR, STOW, MA 01775-1067
Document Number	70734-591
Book / Page	070734 / 000591
Instrument Date	Mar 2, 2018
Instrument	34353
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	13 ORCHARD DR #28 STOW MA 017751067, 28, STOW, MA 01775-1067

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	May 8, 2017
Property Address	13 ORCHARD DR, STOW, MA 01775-1067
Document Number	69246-572
Book / Page	69246 / 572
Instrument	67281
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 ORCHARD DR, STOW, MA 01775-1067

Mortgage

Document Number	692460576
Date	May 8, 2017
Instrument	69246/0576

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 8, 2047

Interest

Rate	3.63%
Max Rate At Change	60.1%
Max Rate	3%

Tax Assessment & Valuation

The 2026 property tax bill for 13 Orchard Dr was $12,632, up 1.6% 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	$12,632.00 (+1.65%)	$706,900 (-0.91%) Building $706,900	$699,913 (+7.78%)
2025	$12,427.00 (+5.98%)	$713,400 (+3.24%) Building $713,400	$649,420
2024	$11,726.00 (-2.66%)	$691,000 (+4%) Building $691,000
2023	$12,046.00	$664,400 Building $664,400

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

Flood

FEMA maps place 13 Orchard Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 13 Orchard Dr is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 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

Nearby Properties on Orchard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures