16 Elm St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 16 Elm St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 984 sqft · built 1954
Lot Size	0.355 acres (15,450 sqft)
Owner	Individual Name on Record
Last Sale	$141,500 (Nov 1986)
Tax Bill	$8,771 (2025)
Deeds & Mortgages	Feb 2021 Refinance Dec 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00E2 B:0241 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00E2 B:0241 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	2,040 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,450 sqft (0.355 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	16 ELM ST
City	ACTON
State	MA
Zip	01720-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	241
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	3
Census Block	3021
Census Tract	363202

Owner

Source: Middlesex County and Acton Town records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	16 ELM ST, ACTON, MA 01720-2402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 1986 · Amount on Record
Deed Sale	Nov 25, 1986 · Amount on Record
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	16 ELM ST, ACTON, MA 01720-2402
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77058-358
Date	Feb 25, 2021
Book Page	77058/358
Instrument	41922

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	16 ELM ST, ACTON, MA 01720-2402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73897-548
Date	Dec 26, 2019
Book Page	73897/548
Instrument	206383

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	469 Months
Due	Jan 1, 2059

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,771.00 (+5.02%)	$511,400 (+2.08%) Land $269,100 Building $242,300	$553,660 (-2.82%)
2024	$8,352.00 (+4.67%)	$501,000 (+10.26%) Land $269,100 Building $231,900	$569,715
2023	$7,979.00	$454,400 Land $244,600 Building $209,800

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
Nearest Special Flood Hazard Area	Zone AE, 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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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