16 Catherine Cir, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 16 Catherine Cir, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,802 sqft · built 1980
Lot Size	1.49 acres (64,904 sqft)
Owner	Individual Name on File
Last Sale	$715,844 (Apr 2020)
Tax Bill	$17,246 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-14 05A-42`

Property Details

APN / Parcel Number

Primary APN	`R-14 05A-42`
Alternative APNs	`STOW M:000R-14 P:005A-42` `M:000R=14 P:005A=42`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,802 sqft Living Area
Gross Area	6,564 sqft
1st Floor Area	2,355 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1999
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,904 sqft (1.49 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-14 05A-42
Street Address	16 CATHERINE CIR
City	STOW
State	MA
Zip	01775-1345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	BIRCH HILL ESTATES SEC 01
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2013
Census Tract	323101

Owner

16 Catherine Cir is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	16 CATHERINE CIR, STOW, MA 01775-1345
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
Sep 18, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 23, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Prior Sale	Aug 26, 2011 · Amount on File
Deed Document Number	202059709
Deed Book / Page	74523 / 342
Prior Transfer Date	Apr 7, 2020
Prior Transfer Doc	74523-342
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	16 CATHERINE CIR, STOW, MA 01775-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73300-266
Date	Sep 18, 2019
Book Page	73300/266
Instrument	141897

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2059

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	16 CATHERINE CIR, STOW, MA 01775-1345
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76614-59
Date	Jan 5, 2021
Book Page	76614/59
Instrument	1258

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Apr 23, 2020
Property Address	16 CATHERINE CIR, STOW, MA 01775-1345
Document Number	74523-342
Book / Page	74523 / 342
Instrument Date	Apr 7, 2020
Instrument	59709
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	16 CATHERINE CIR, STOW, MA 01775-1345

Mortgage

Document Number	59710
Date	Apr 23, 2020
Instrument	59710

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Catherine Cir was $17,246, up 19.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,246.00 (+19.95%)	$965,100 (+16.93%) Land $424,800 Building $540,300	$1,077,172 (+4.25%)
2025	$14,378.00 (+4.82%)	$825,400 (+2.12%) Land $404,600 Building $420,800	$1,033,220
2024	$13,717.00 (+4.06%)	$808,300 (+11.17%) Land $387,500 Building $420,800
2023	$13,182.00	$727,100 Land $306,300 Building $420,800

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

Flood

FEMA maps place 16 Catherine Cir 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	9 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 16 Catherine Cir 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 57 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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