185 Cedar St, Ashland, MA 01721 Property Records

Middlesex County and Ashland Town property record for 185 Cedar St, Ashland, MA 01721

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,800 sqft · built 1995
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$506,000 (Mar 2018)
Tax Bill	$9,682 (2025)
Deeds & Mortgages	Feb 2022 Refinance May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:014/021.0-0060-0000.0`

Property Details

APN / Parcel Number

Primary APN	`M:014/021.0-0060-0000.0`
Alternative APN	`ASHL M:021.0 B:0060 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,800 sqft Living Area
1st Floor Area	864 sqft
Basement Area	912 sqft
Unfinished Basement	512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	185 CEDAR ST
City	ASHLAND
State	MA
Zip	01721-1975
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	60
Jurisdiction	ASHLAND MA
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2001
Census Tract	385203

Owner

Source: Middlesex County and Ashland Town records, as of July 20, 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	185 CEDAR ST, ASHLAND, MA 01721-1975
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
May 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Mar 29, 2018	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Aug 28, 2014 · Amount on Record
Deed Book / Page	70796 / 586
Transfer Doc	070796-586
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	185 CEDAR ST, ASHLAND, MA 01721-1975
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079714-512
Date	Feb 22, 2022
Book Page	79714/512
Instrument	27313

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	185 CEDAR ST, ASHLAND, MA 01721-1975
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74772-274
Date	May 29, 2020
Book Page	74772/274
Instrument	81550

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Mar 29, 2018
Property Address	185 CEDAR ST, ASHLAND, MA 01721-1975
Document Number	70796-586
Book / Page	070796 / 000586
Instrument Date	Mar 28, 2018
Instrument	42000
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,307.36
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	185 CEDAR ST ASHLAND MA 017211975, ASHLAND, MA 01721-1975

Mortgage

Document Number	70797-1
Date	Mar 29, 2018
Book Page	070797/000001
Instrument	42002

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2048

Tax Assessment & Valuation

Source: Middlesex County and Ashland Town assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,682.00 (+2.98%)	$758,200 (+6.77%) Land $242,600 Building $515,600	$733,020 (+4.05%)
2024	$9,402.00 (+9.44%)	$710,100 (+13.82%) Land $242,600 Building $467,500	$704,520
2023	$8,591.00	$623,900 Land $231,200 Building $392,700

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
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	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	ASHLAND WATER AND SEWER DEPT. serves 18,832 people · EPA ID MA3014000
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2026) 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 192 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

Cell Coverage

5G (outdoors only) and 4G LTE

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