1309 Main St, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 1309 Main St, Ashby, MA 01431

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,252 sqft · built 1945
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,317 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:006.0 B:0008 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:006.0 B:0008 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,252 sqft Living Area
1st Floor Area	1,526 sqft
Basement Area	1,286 sqft
Unfinished Basement	1,286 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	29,185 sqft (0.67 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1309 MAIN ST
City	ASHBY
State	MA
Zip	01431-2314
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	8
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1009
Census Tract	300100

Owner

1309 Main St, a duplex, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1309 MAIN ST, ASHBY, MA 01431-2314
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
Apr 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance I-C FCU
Jan 2, 2018	Deed of Trust, Mortgage DIGITAL FCU
Oct 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	1309 MAIN ST, ASHBY, MA 01431-2314
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77452-508
Date	Apr 8, 2021
Book Page	77452/508
Instrument	78306

Lender

Name	I-C FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	1309 MAIN ST, ASHBY, MA 01431-2314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70466-368
Date	Jan 2, 2018
Book Page	70466/368
Instrument	858

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2023

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	1309 MAIN ST, ASHBY, MA 01431-2314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75790-60
Date	Oct 2, 2020
Book Page	75790/60
Instrument	177771

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 1309 Main St was $4,317, up 3.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ashby Town
Unified School District	North Middlesex School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,317.00 (+3.5%)	$273,900 (-) Land $63,100 Building $210,800	$416,187
2025	$4,171.00 (+2.66%)	$273,900 (+4.7%) Land $63,100 Building $210,800
2024	$4,063.00 (-15.6%)	$261,600 (-10.78%) Land $60,700 Building $200,900
2023	$4,814.00	$293,200 Land $55,900 Building $237,300

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

Flood

FEMA maps place 1309 Main St 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Nearby Flood Policies	4 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 1309 Main 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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