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190 School St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 190 School St, Acton, MA 01720 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,231 sqft · built 2002
Lot Size0.696 acres (30,314 sqft)
Owner2 Individual Names on File
Last Sale$1,250,000 (May 2026)
Tax Bill$19,580 (2025)
Deeds & MortgagesSep 2025 Line of Credit
May 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNACTO M:00H3 B:0095 L:0002

Property Details

APN / Parcel Number

Primary APNACTO M:00H3 B:0095 L:0002

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area3,231 sqft Living Area
Gross Area6,024 sqft

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2002
Architectural StyleColonial
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area30,314 sqft (0.696 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Street Address190 SCHOOL ST
CityACTON
StateMA
Zip01720-4486
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block95
Legal Lot Number2
JurisdictionACTON MA
Township / Civil DivisionACTON
Census Block Group1
Census Block1014
Census Tract363104

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00H3 B:0095 L:0002

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 Record2 Individual Names on File
Mailing Address190 SCHOOL ST, ACTON, MA 01720-4486
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Sep 08, 2025Deed of Trust, Mortgage · Line of Credit
CITIZENS BANK
May 22, 2026Quit Claim Deed, Transfer · Conventional Mortgage
GUARANTEED RATE, INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 22, 2026 · Amount on Record
Deed SaleMay 22, 2026 · Amount on Record
Prior SaleJul 29, 2002 · Amount on Record
Deed Document Number202659909
Deed Book / Page85636 / 577
Record UpdatedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionACTON MA
Property Address190 SCHOOL ST, ACTON, MA 01720-4486
Transaction TypeMortgage
Record UpdatedJun 09, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number084587-380
DateSep 08, 2025
Book Page84587/380
Instrument108125
Lender
NameCITIZENS BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueOct 01, 2050
Interest
Rate TypeAdjustable Rate

May 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionACTON MA
Recording DateMay 22, 2026
Property Address190 SCHOOL ST, ACTON, MA 01720-4486
Document Number085636-577
Book / Page85636 / 577
Instrument DateMay 12, 2026
Instrument202659909
Transaction TypeTransfer
Record UpdatedJun 09, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address190 SCHOOL ST, ACTON, MA 01720-4486

Mortgage

DateMay 22, 2026
Lender
NameGUARANTEED RATE, INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate6.37%
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionActon Town
Unified School DistrictActon-Boxborough Regional 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.

YearTax BillAssessed ValueAssessed Market Value
2025$19,580.00 (+7.82%)$1,141,700 (+4.8%) Land $323,100 Building $818,600$1,264,070 (-5.28%)
2024$18,160.00 (+2.21%)$1,089,400 (+7.67%) Land $323,100 Building $766,300$1,334,560
2023$17,767.00$1,011,800 Land $293,700 Building $718,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173631041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 10 individual NFIP policies nearby
Nearby Flood Policies10 in force
Nearby Flood Claims9 (1980–2017)
Claims Outside the SFHA2 of 9
Most Recent ClaimAug 2017, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFiber980 / 880
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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