18 Terrace Rd, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 18 Terrace Rd, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1950
Lot Size	0.235 acres (10,219 sqft)
Owner	2 Trust Names on File
Last Sale	$12,500 (Apr 2024)
Tax Bill	$9,863 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Jan 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-00000049`

Property Details

APN / Parcel Number

Primary APN	`29-00000049`
Alternative APN	`NATI M:00000029 P:00000049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,048 sqft
Basement Area	820 sqft
Unfinished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,219 sqft (0.235 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	29-00000049
Street Address	18 TERRACE RD
City	NATICK
State	MA
Zip	01760-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSC
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	4
Census Block	4005
Census Tract	382200

Owner

18 Terrace Rd is owner-occupied and held in a trust since April 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	18 TERRACE RD, NATICK, MA 01760-2911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDDLESEX SAVINGS BANK
Jan 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Apr 1, 2024	Quit Claim Deed, Transfer
Dec 12, 2018	Deed of Trust, Mortgage · Line of Credit WEBSTER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Prior Sale	Mar 31, 1999 · Amount on File
Deed Document Number	202432092
Deed Book / Page	82623 / 144
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 TERRACE RD, NATICK, MA 01760-2911
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084887-276
Date	Nov 17, 2025
Book Page	84887/276
Instrument	140712

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 TERRACE RD, NATICK, MA 01760-2911
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079516-246
Date	Jan 11, 2022
Book Page	79516/246
Instrument	5680

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Apr 1, 2024
Property Address	18 TERRACE RD, NATICK, MA 01760-2911
Document Number	082623-144
Book / Page	82623 / 144
Instrument Date	Feb 29, 2024
Instrument	32092
Transaction Type	Transfer
Record Updated	Apr 30, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	18 TERRACE RD, NATICK, MA 01760-2911

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	18 TERRACE RD, NATICK, MA 01760-2911
Document Number	72090-532
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 TERRACE RD NATICK MA 017602911, NATICK, MA 01760-2911

Mortgage

Document Number	72090-532
Date	Jan 4, 2019
Book Page	072090/000532
Instrument	1313

Lender

Name	WEBSTER BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 3, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 18 Terrace Rd was $9,863, up 3% from the year before.

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	$9,863.00 (+3.03%)	$824,700 (+5.62%) Land $450,500 Building $374,200	$803,795
2024	$9,573.00 (+3.75%)	$780,800 (+6.96%) Land $425,500 Building $355,300
2023	$9,227.00	$730,000 Land $400,400 Building $329,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18 Terrace Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	1 in force
Nearby Flood Claims	2 (1978–1979)
Most Recent Claim	Jan 1979 · tidal / storm surge

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

Wildfire risk around 18 Terrace Rd is low, with less than a 0.01% annual chance of 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 248 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	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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