Middlesex County and Acton Town property record for 18 Elm St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 2,112 sqft · built 1954 |
| Lot Size | 0.355 acres (15,470 sqft) |
| Owner | Individual Name on File |
| Last Sale | $999,000 (Jun 2024) |
| Tax Bill | $14,610 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Nov 2025 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00E2 B:0248 L:0000 |
| Primary APN | ACTO M:00E2 B:0248 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 4,086 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,470 sqft (0.355 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 18 ELM ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 248 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records · APN ACTO M:00E2 B:0248 L:0000
Assessment roll updated April 14, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 02, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE |
| Aug 15, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Dec 28, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Mar 28, 2018 | Quit Claim Deed, Transfer LEADER BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on Record |
| Deed Sale | Jun 28, 2024 · Amount on Record |
| Prior Sale | Mar 28, 2018 · Amount on Record |
| Deed Book / Page | 82952 / 541 |
| Prior Transfer Date | Aug 14, 2023 |
| Prior Transfer Doc | 081888-448 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0083924-48 |
|---|---|
| Date | Apr 02, 2025 |
| Book Page | 83924/48 |
| Instrument | 33829 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084919-582 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 84919/582 |
| Instrument | 144271 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Aug 15, 2023 |
| Property Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Document Number | 081888-448 |
| Book / Page | 81888 / 448 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 91344 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 EL ST, ACTON, MA 01720-2420 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76542-155 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 76542/155 |
| Instrument | 248991 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Mar 28, 2018 |
| Property Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Document Number | 70788-345 |
| Book / Page | 70788 / 345 |
| Instrument | 41114 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $107.31 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 ELM ST, ACTON, MA 01720-2420 |
| Document Number | 707880349 |
|---|---|
| Date | Mar 28, 2018 |
| Instrument | 70788/0349 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 28, 2048 |
Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,610.00 (+7.43%) | $851,900 (+4.43%) Land $269,200 Building $582,700 | $926,725 (+0.01%) |
| 2024 | $13,599.00 (+2.23%) | $815,800 (+7.7%) Land $269,200 Building $546,600 | $926,630 |
| 2023 | $13,302.00 | $757,500 Land $244,600 Building $512,900 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
Based on FCC filings for 117 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ACTON WATER SUPPLY DISTRICT serves 21,285 people |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures