196 School St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 196 School St, Acton, MA 01720 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,388 sqft · built 1981
Lot Size	0.901 acres (39,234 sqft)
Owner	Individual Name on File
Tax Bill	$14,847 (2025)
Deeds & Mortgages	Nov 2021 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00H3 B:0252 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00H3 B:0252 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,388 sqft Living Area
Gross Area	4,260 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,234 sqft (0.901 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	196 SCHOOL ST
City	ACTON
State	MA
Zip	01720-4486
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	252
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1014
Census Tract	363104

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00H3 B:0252 L:0000

Assessment roll updated April 14, 2026 · Last verified August 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	196 SCHOOL ST, ACTON, MA 01720-4486
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Nov 05, 2021
Transfer Doc	079113-428
Record Updated	Sep 20, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Nov 10, 2021
Property Address	196 SCHOOL ST, ACTON, MA 01720-4486
Document Number	79113-428
Book / Page	79113 / 428
Instrument Date	Nov 05, 2021
Instrument	245879
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	196 SCHOOL ST, ACTON, MA 01720-4486

Mortgage

Document Number	079113-433
Date	Nov 10, 2021
Book Page	79113/433
Instrument	245880

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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	$14,847.00 (+5.31%)	$865,700 (+2.36%) Land $328,400 Building $537,300	$1,041,390 (+1.2%)
2024	$14,098.00 (+2.39%)	$845,700 (+7.86%) Land $328,400 Building $517,300	$1,029,040
2023	$13,769.00	$784,100 Land $298,600 Building $485,500

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

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