189 School St, #R, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 189 School St, #R, Acton, MA 01720

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,225 sqft · built 1967
Lot Size	0.535 acres (23,310 sqft)
Owner	2 Individual Names on File
Last Sale	$507,000 (May 2024)
Tax Bill	$5,922 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00H3 B:0109R L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00H3 B:0109R L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,225 sqft Living Area
Gross Area	1,885 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,310 sqft (0.535 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	189 SCHOOL ST, R
City	ACTON
State	MA
Zip	01720-4417
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R2
Legal Block	109R
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1020
Census Tract	363104

Owner

189 School St, #R is owned and occupied by two individuals who bought it in May 2024.

Source: Middlesex County and Acton Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	189 SCHOOL ST, R, ACTON, MA 01720-4417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Feb 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Prior Sale	Sep 1, 2005 · Amount on File
Deed Document Number	202448305
Deed Book / Page	82759 / 109
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	189 SCHOOL ST # R, R, ACTON, MA 01720-4417
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081976-226
Date	Sep 8, 2023
Book Page	81976/226
Instrument	101595

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	189 SCHOOL ST # R, R, ACTON, MA 01720-4417
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76847-140
Date	Feb 1, 2021
Book Page	76847/140
Instrument	22863

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 189 School St, #R was $5,922, up 12.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,922.00 (+12.29%)	$345,300 (+9.13%) Building $345,300	$472,340 (+0.42%)
2024	$5,274.00 (+6.14%)	$316,400 (+11.8%) Building $316,400	$470,345
2023	$4,969.00	$283,000 Building $283,000

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

Flood

FEMA maps place 189 School St, #R in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1980.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (1980–2017)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Aug 2017 · rainfall accumulation

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 189 School St, #R 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 97% of the US · lower than 94% 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	ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000
Water Source	Groundwater influenced by surface water
Last State Inspection	Oct 2024
Lead	4 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	22 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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