18 Speen St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 18 Speen St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,091 sqft · built 2007
Lot Size	1.25 acres (54,581 sqft)
Owner	2 Individual Names on Record
Last Sale	$859,000 (Aug 2018)
Tax Bill	$14,350 (2025)
Deeds & Mortgages	Feb 2021 Refinance Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`58-0000004D`

Property Details

APN / Parcel Number

Primary APN	`58-0000004D`
Alternative APN	`NATI M:00000058 P:0000004D`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,091 sqft Living Area
Basement Area	472 sqft
Unfinished Basement	472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	54,581 sqft (1.25 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	58-0000004D
Street Address	18 SPEEN ST
City	NATICK
State	MA
Zip	01760-4130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1006
Census Tract	382601

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	18 SPEEN ST, NATICK, MA 01760-4130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Aug 15, 2018	Quit Claim Deed, Transfer VALLEY NATIONAL BK
Sep 4, 2018	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Deed Book / Page	71478 / 333
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 SPEEN ST, NATICK, MA 01760-4130
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076853-580
Date	Feb 1, 2021
Book Page	76853/580
Instrument	23351

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 SPEEN ST, NATICK, MA 01760-4130
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081695-136
Date	Jun 26, 2023
Book Page	81695/136
Instrument	68544

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2033

Interest

Rate Type	Adjustable Rate

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Aug 15, 2018
Property Address	18 SPEEN ST, NATICK, MA 01760-4130
Document Number	71478-333
Book / Page	71478 / 333
Instrument	125056
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.73
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	714780336
Date	Aug 15, 2018
Instrument	71478/0336

Lender

Name	VALLEY NATIONAL BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2048

September 2018: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	NATICK MA
Recording Date	Sep 4, 2018
Property Address	18 SPEEN ST, NATICK, MA 01760-4130
Document Number	71574-41
Book / Page	071574 / 000041
Instrument Date	Aug 13, 2018
Instrument	136580
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 SPEEN ST NATICK MA 017604130, NATICK, MA 01760-4130

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	$14,350.00 (+3.8%)	$1,199,800 (+6.4%) Land $389,100 Building $810,700	$1,307,580
2024	$13,824.00 (+3.08%)	$1,127,600 (+6.28%) Land $366,200 Building $761,400
2023	$13,411.00	$1,061,000 Land $366,200 Building $694,800

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	1 in force

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	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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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