146 Oak St, Ashland, MA 01721 Property Records

Middlesex County and Ashland Town property record for 146 Oak St, Ashland, MA 01721

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,568 sqft · built 2020
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$840,000 (Aug 2022)
Tax Bill	$10,998 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:014/003.0-0086-0000.0`

Property Details

APN / Parcel Number

Primary APN	`M:014/003.0-0086-0000.0`
Alternative APN	`ASHL M:003.0 B:0086 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	4,160 sqft
1st Floor Area	500 sqft
Basement Area	754 sqft
Unfinished Basement	354 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	146 OAK ST
City	ASHLAND
State	MA
Zip	01721-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	86
Jurisdiction	ASHLAND MA
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3026
Census Tract	385102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	146 OAK ST, ASHLAND, MA 01721-3004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Sep 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage MIDDLESEX SAVINGS BANK
Aug 26, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance MIDDLESEX SAVINGS BANK
Sep 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORCESTER CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Deed Book / Page	80532 / 387
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	73168-509
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Aug 3, 2022
Property Address	146 OAK ST, ASHLAND, MA 01721-3004
Document Number	080532-387
Book / Page	80532 / 387
Instrument Date	Aug 3, 2022
Instrument	119160
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	146 OAK ST, ASHLAND, MA 01721-3004

Mortgage

Document Number	0000119161
Date	Aug 3, 2022
Instrument	119161

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	146 OAK ST, ASHLAND, MA 01721-3004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75578-412
Date	Sep 10, 2020
Book Page	75578/412
Instrument	158404

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Aug 26, 2019
Property Address	146 OAK ST, ASHLAND, MA 01721-3004
Document Number	73168-509
Book / Page	73168 / 509
Instrument Date	Aug 20, 2019
Instrument	126994
Transaction Type	Transfer
Record Updated	May 12, 2021

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	146 OAK ST, ASHLAND, MA 01721-3004

Mortgage

Document Number	73168-512
Date	Aug 26, 2019
Book Page	73168/512
Instrument	126995

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Sep 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	146 OAK ST, ASHLAND, MA 01721-3004
Document Number	69967-360
Book / Page	069967 / 000360
Instrument Date	Sep 13, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69967-360
Date	Sep 22, 2017
Book Page	069967/000360
Instrument	153729

Lender

Name	WORCESTER CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,998.00 (+2.73%)	$861,200 (+6.51%) Land $219,500 Building $641,700	$928,055 (+2.56%)
2024	$10,706.00 (+16.34%)	$808,600 (+20.99%) Land $219,500 Building $589,100	$904,875
2023	$9,202.00	$668,300 Land $209,000 Building $459,300

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

Flood

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

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	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ASHLAND WATER AND SEWER DEPT. serves 18,832 people · EPA ID MA3014000
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 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	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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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