Middlesex County and Acton Town property record for 14 Elm St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,685 sqft · built 1957 |
| Lot Size | 0.712 acres (30,996 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $320,000 (Jul 2004) |
| Tax Bill | $12,564 (2025) |
| Deeds & Mortgages | Sep 2020 Refinance Feb 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00E2 B:0234 L:0000 |
| Primary APN | ACTO M:00E2 B:0234 L:0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,685 sqft Living Area |
| Gross Area | 4,544 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,996 sqft (0.712 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 14 ELM ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 234 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 14 ELM ST, ACTON, MA 01720-2402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC |
| Feb 18, 2020 | Warranty Deed, Transfer · Stand-Alone Refinance FINANCE AMERICA LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2004 · Amount on File |
| Deed Sale | Jul 12, 2004 · Amount on File |
| Prior Sale | Aug 22, 1989 · Amount on File |
| Deed Book / Page | 43264 / 395 |
| Last Transfer Date | Aug 20, 2025 |
| Transfer Doc | 0084517-54 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 14 ELM ST, ACTON, MA 01720-2402 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75729-460 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 75729/460 |
| Instrument | 172226 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Feb 18, 2020 |
| Property Address | 14 ELM ST, ACTON, MA 01720-2402 |
| Document Number | 74146-189 |
| Book / Page | 74146 / 189 |
| Instrument Date | Feb 12, 2020 |
| Instrument | 24063 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 ELM ST, ACTON, MA 01720-2402 |
| Document Number | 74146-192 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 74146/192 |
| Instrument | 24064 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,564.00 (+6.15%) | $732,600 (+3.18%) Land $281,400 Building $451,200 | $615,980 (+4.7%) |
| 2024 | $11,836.00 (-1.5%) | $710,000 (+3.76%) Land $281,400 Building $428,600 | $588,335 |
| 2023 | $12,016.00 | $684,300 Land $255,700 Building $428,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 45 units insured incl. 40 condo units |
| Nearby Flood Claims | 3 (1978–1999) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Feb 1999 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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