15 Saddle Ridge Rd, Dover, MA 02030 Property Records

Norfolk County and Dover Town property record for 15 Saddle Ridge Rd, Dover, MA 02030

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,590 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$1,320,000 (Aug 2024)
Tax Bill	$13,651 (2026)
Deeds & Mortgages	Jun 2021 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DOVE M:0023 B:00081 L:0000`

Property Details

APN / Parcel Number

Primary APN	`DOVE M:0023 B:00081 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	3,590 sqft Living Area
Gross Area	5,152 sqft
Basement Area	1,904 sqft
Unfinished Basement	762 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 SADDLE RIDGE RD
City	DOVER
State	MA
Zip	02030-1639
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	81
Jurisdiction	DOVER MA
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1022
Census Tract	405100

Owner

15 Saddle Ridge Rd is owned and occupied by an individual who bought it in August 2024.

Source: Norfolk County and Dover Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	15 SADDLE RIDGE RD, DOVER, MA 02030-1639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON PRIVATE BANK & TRUST COMPANY
Mar 27, 2017	Quit Claim Deed, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2024 · Amount on File
Deed Sale	Aug 8, 2024 · Amount on File
Prior Sale	Mar 27, 2017 · Amount on File
Deed Book / Page	41933 / 334
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER MA
Property Address	15 SADDLE RIDGE RD, DOVER, MA 02030-1639
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039517-298
Date	Jun 16, 2021
Book Page	39517/298
Instrument	78177

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER MA
Property Address	15 SADDLE RIDGE RD, DOVER, MA 02030-1639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37285-379
Date	Oct 28, 2019
Book Page	37285/379
Instrument	98652

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOVER MA
Recording Date	Mar 27, 2017
Property Address	15 SADDLE RIDGE RD, DOVER, MA 02030-1639
Document Number	34996-276
Book / Page	034996 / 000276
Instrument Date	Mar 16, 2017
Instrument	25725
Transaction Type	Transfer
Record Updated	Apr 20, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$852.00
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	15 SADDLE RIDGE RD DOVER MA 020301639, DOVER, MA 02030-1639

Mortgage

Document Number	34996-278
Date	Mar 27, 2017
Book Page	034996/000278
Instrument	25726

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2047

Mortgage

Document Number	34996-292,
Date	Mar 27, 2017
Book Page	034996/000292
Instrument	25727

Lender

Name	CHMC ANESTHESIA FOUND

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 15 Saddle Ridge Rd was $13,651, up 2.6% from the year before.

Source: Norfolk County and Dover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Dover Town
Elementary School District	Dover School District (PK - 05)
Secondary School District	Dover-Sherborn School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,651.00 (+2.65%)	$1,219,900 (+3.38%) Land $675,200 Building $544,700	$1,341,462 (+8.92%)
2025	$13,299.00 (+6.47%)	$1,180,000 (+3.54%) Land $664,300 Building $515,700	$1,231,580 (+0.45%)
2024	$12,491.00 (+4.66%)	$1,139,700 (+16.4%) Land $664,300 Building $475,400	$1,226,070
2023	$11,935.00	$979,100 Land $588,100 Building $391,000

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

Flood

FEMA maps place 15 Saddle Ridge Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 26, 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
Nearby Flood Claims	3 (1979–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 15 Saddle Ridge Rd is low, with a 0.02% 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	0.02% 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	AQUARION WATER COMPANY (DOVER) private · serves 1,929 people · EPA ID MA3078006
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Jun 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 59 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

4G LTE (outdoors only), no 5G reported

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