16 Elm St, Townsend, MA 01469 Property Records

Middlesex County and Townsend Town property record for 16 Elm St, Townsend, MA 01469

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,451 sqft · built 1860
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,500 (Aug 2020)
Tax Bill	$5,015 (2026)
Deeds & Mortgages	Dec 2019 Refinance Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0051 B:0053 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0051 B:0053 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,451 sqft Living Area
Gross Area	3,627 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	16 ELM ST
City	TOWNSEND
State	MA
Zip	01469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DCD
Legal Block	53
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1002
Census Tract	301102

Owner

Source: Middlesex County and Townsend Town records, as of October 20, 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 Record
Mailing Address	111 PRINCETON ST, NORTH CHELMSFORD, MA 01863-1531
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Aug 7, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JEANNE D ARC CU
Feb 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2020 · Amount on Record
Deed Sale	Aug 7, 2020 · Amount on Record
Prior Sale	Mar 28, 1988 · Amount on Record
Deed Document Number	2020132495
Deed Book / Page	75313 / 457
Prior Transfer Date	Jun 20, 2020
Prior Transfer Doc	75313-457
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	16 ELM ST, TOWNSEND, MA 01469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73912-586
Date	Dec 30, 2019
Book Page	73912/586
Instrument	208305

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2039

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOWNSEND MA
Recording Date	Aug 7, 2020
Property Address	16 ELM ST, TOWNSEND, MA 01469
Document Number	75313-457
Book / Page	75313 / 457
Instrument Date	Jun 20, 2020
Instrument	132495
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	111 PRINCETON ST, N CHELMSFORD, MA 01863-1531

Mortgage

Document Number	132496
Date	Aug 7, 2020
Instrument	132496

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	16 ELM ST, TOWNSEND, MA 01469
Document Number	68899-148
Book / Page	068899 / 000148
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68899-148
Date	Feb 15, 2017
Book Page	068899/000148
Instrument	24902

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 14, 2037

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,015.00 (+2.06%)	$364,700 (+7.77%) Land $88,100 Building $276,600	$344,945 (-)
2025	$4,914.00 (+2.74%)	$338,400 (+1.96%) Land $76,100 Building $262,300	$344,945 (+6.14%)
2024	$4,783.00 (-0.81%)	$331,900 (+5.03%) Land $76,100 Building $255,800	$324,995
2023	$4,822.00	$316,000 Land $72,100 Building $243,900

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	3 in force
Nearby Flood Claims	8 (1984–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Apr 2018 · rainfall accumulation
Claims by Event	Flooding, Apr 2004 · 2 claims

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	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	TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000
Water Source	Groundwater
Last State Inspection	Mar 2025
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	None 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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