165 Union St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 165 Union St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,051 sqft · built 1900
Lot Size	0.357 acres (15,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$860,000 (Jan 2023)
Tax Bill	$10,829 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Jan 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`54-00000012`

Property Details

APN / Parcel Number

Primary APN	`54-00000012`
Alternative APN	`NATI M:00000054 P:00000012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,051 sqft Living Area
1st Floor Area	510 sqft
Attic	Attic
Attic Area	510 sqft
Basement Area	270 sqft
Unfinished Basement	270 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1952
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	15,560 sqft (0.357 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	54-00000012
Street Address	165 UNION ST
City	NATICK
State	MA
Zip	01760-6005
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2011
Census Tract	382300

Owner

Source: Middlesex County and Natick Town records, 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 Record
Mailing Address	165 UNION ST, NATICK, MA 01760-6005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 23, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jan 13, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CHRISTOPHER E PERNOCK
Jul 7, 2017	Deed of Trust, Mortgage · Line of Credit EASTERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Jan 13, 2022 · Amount on Record
Deed Book / Page	81184 / 279
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	165 UNION ST, NATICK, MA 01760-6005
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083066-314
Date	Jul 30, 2024
Book Page	83066/314
Instrument	84162

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Aug 1, 2053

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jan 23, 2023
Property Address	165 UNION ST, NATICK, MA 01760-6005
Document Number	081184-279
Book / Page	81184 / 279
Instrument Date	Jan 23, 2023
Instrument	7613
Transaction Type	Transfer
Record Updated	Feb 10, 2023

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
Relationship	Tenants by the Entirety
Address	165 UNION ST, NATICK, MA 01760-6005

Mortgage

Document Number	0000007614
Date	Jan 23, 2023
Instrument	7614

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jan 13, 2022
Property Address	165 UNION ST, NATICK, MA 01760-6005
Document Number	0079531-56
Book / Page	79531 / 56
Instrument Date	Jan 13, 2022
Instrument	7332
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	PO BOX 1001, EASTON, MA 02334-1001

Mortgage

Document Number	0000007333
Date	Jan 13, 2022
Instrument	7333

Lender

Name	CHRISTOPHER E PERNOCK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	165 UNION ST, NATICK, MA 01760-6005
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69565-70
Date	Jul 7, 2017
Book Page	69565/70
Instrument	105038

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,829.00 (+4.21%)	$905,400 (+6.82%) Land $416,300 Building $489,100	$930,430
2024	$10,392.00 (+35.33%)	$847,600 (+39.52%) Land $393,200 Building $454,400
2023	$7,679.00	$607,500 Land $369,000 Building $238,500

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	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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