130 Summer St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 130 Summer St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,608 sqft · built 1998
Lot Size	0.66 acres (28,770 sqft)
Owner	2 Trust Names on File
Last Sale	$950,000 (Sep 2016)
Tax Bill	$25,670 (2025)
Deeds & Mortgages	Aug 2022 Refinance Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00F1 B:0074 L:0003`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00F1 B:0074 L:0003`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,608 sqft Living Area
Gross Area	10,023 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,770 sqft (0.66 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	130 SUMMER ST
City	ACTON
State	MA
Zip	01720-2265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8/4
Legal Subdivision	MAPLE CRK FARM
Legal Block	74
Legal Lot Number	3
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	2
Census Block	2001
Census Tract	363201

Owner

130 Summer St is owner-occupied and held in a trust since September 2016.

Source: Middlesex County and Acton Town records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	130 SUMMER ST, ACTON, MA 01720-2265
Occupancy	Owner Occupied
Owner Type	Individual
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
Aug 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2016 · Amount on File
Deed Sale	Sep 9, 2016 · Amount on File
Prior Sale	May 3, 2007 · Amount on File
Deed Book / Page	67988 / 60
Transfer Doc	0067988-60
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	130 SUMMER ST, ACTON, MA 01720-2265
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	080576-150
Date	Aug 12, 2022
Book Page	80576/150
Instrument	124391

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2042

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	130 SUMMER ST, ACTON, MA 01720-2265
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76577-396
Date	Dec 30, 2020
Book Page	76577/396
Instrument	252000

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	130 SUMMER ST, ACTON, MA 01720-2265
Document Number	72480-346
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 SUMMER ST ACTON MA 017202265, ACTON, MA 01720-2265

Mortgage

Document Number	72480-346
Date	Apr 19, 2019
Book Page	072480/000346
Instrument	49144

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 18, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 130 Summer St was $25,670, up 7.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$25,670.00 (+7.25%)	$1,496,800 (+4.25%) Land $279,900 Building $1,216,900	$1,393,365 (+4.88%)
2024	$23,935.00 (-3.34%)	$1,435,800 (+1.82%) Land $279,900 Building $1,155,900	$1,328,480
2023	$24,763.00	$1,410,200 Land $254,300 Building $1,155,900

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

Flood

FEMA maps place 130 Summer St in Zone X, an area of minimal flood risk.

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	2 in force

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 130 Summer St 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	Direct burnable vegetation

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	ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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 195 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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