18 Arbor Cir, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 18 Arbor Cir, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,070 sqft · built 1989
Lot Size	0.464 acres (20,216 sqft)
Owner	Individual Name on Record
Tax Bill	$11,552 (2025)
Deeds & Mortgages	Jan 2025 Refinance Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`37-0000120W`

Property Details

APN / Parcel Number

Primary APN	`37-0000120W`
Alternative APN	`NATI M:00000037 P:0000120W`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,070 sqft Living Area
1st Floor Area	728 sqft
Basement Area	222 sqft
Unfinished Basement	222 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	20,216 sqft (0.464 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	37-0000120W
Street Address	18 ARBOR CIR
City	NATICK
State	MA
Zip	01760-2953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Legal Subdivision	OAK ESTATES
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1020
Census Tract	382200

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	Individual Name on Record
Mailing Address	18 ARBOR CIR, NATICK, MA 01760-2953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Nov 17, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 23, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 ARBOR CIR, NATICK, MA 01760-2953
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083725-111
Date	Jan 30, 2025
Book Page	83725/111
Instrument	10163

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Nov 17, 2020
Property Address	18 ARBOR CIR, NATICK, MA 01760-2953
Document Number	76184-252
Book / Page	76184 / 252
Instrument Date	Nov 11, 2020
Instrument	215086
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ARBOR CIR, NATICK, MA 01760-2953

Mortgage

Document Number	76184-256
Date	Nov 17, 2020
Book Page	76184/256
Instrument	215087

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 ARBOR CIR, NATICK, MA 01760-2953
Document Number	72037-470
Instrument Date	Nov 23, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	18 ARBOR CIR NATICK MA 017602953, NATICK, MA 01760-2953

Mortgage

Document Number	72037-470
Date	Dec 20, 2018
Book Page	072037/000470
Instrument	3527

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2048

Interest

Rate Type	Adjustable Rate

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	$11,552.00 (+4.07%)	$965,900 (+6.68%) Land $473,000 Building $492,900	$1,224,645
2024	$11,100.00 (+3.73%)	$905,400 (+6.95%) Land $446,800 Building $458,600
2023	$10,701.00	$846,600 Land $418,400 Building $428,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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	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 301 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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