181 Locke Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 181 Locke Rd, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,706 sqft · built 1930
Lot Size	1.25 acres (54,450 sqft)
Owner	Individual Name on File
Last Sale	$132,500 (Jan 2015)
Tax Bill	$3,649 (2025)
Deeds & Mortgages	Aug 2023 Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:004.0 B:0027 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:004.0 B:0027 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,706 sqft Living Area
1st Floor Area	928 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	181 LOCKE RD
City	ASHBY
State	MA
Zip	01431-1912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	27
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2010
Census Tract	300100

Owner

Source: Middlesex County and Ashby Town records · APN ASHB M:004.0 B:0027 L:0000.0

Assessment roll updated April 14, 2026 · Last verified July 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	181 LOCKE RD, ASHBY, MA 01431-1912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 09, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FIDELITY COOPERATIVE BANK
May 06, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 29, 2015 · Amount on Record
Deed Sale	Jan 29, 2015 · Amount on Record
Deed Book / Page	64849 / 544
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	181 LOCKE RD, ASHBY, MA 01431-1912
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081869-426
Date	Aug 09, 2023
Book Page	81869/426
Instrument	88991

Lender

Name	FIDELITY COOPERATIVE BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Sep 01, 2043

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	181 LOCKE RD, ASHBY, MA 01431-1912
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74615-71
Date	May 06, 2020
Book Page	74615/71
Instrument	67846

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Middlesex County and Ashby Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$3,649.00 (+6.48%)	$239,600 (+8.56%) Land $65,200 Building $174,400	$366,985 (+3.57%)
2024	$3,427.00 (+6.53%)	$220,700 (+12.66%) Land $62,800 Building $157,900	$354,350
2023	$3,217.00	$195,900 Land $58,000 Building $137,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile USA.

Based on FCC filings for 23 locations within half a mile of this property.

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