197 Hudson Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 197 Hudson Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,564 sqft · built 1999
Lot Size	4.16 acres (181,210 sqft)
Owner	2 Individual Names on File
Last Sale	$602,000 (Jul 2017)
Tax Bill	$17,112 (2026)
Deeds & Mortgages	Mar 2021 Refinance Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R-2 010A-2`

Property Details

APN / Parcel Number

Primary APN	`R-2 010A-2`
Alternative APNs	`STOW M:000R-2 P:010A-2` `M:000R=2 P:010A=2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,564 sqft Living Area
Gross Area	5,269 sqft
1st Floor Area	1,407 sqft
Attic	Attic
Attic Area	528 sqft
Basement Area	1,407 sqft
Unfinished Basement	1,407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	181,210 sqft (4.16 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-2 010A-2
Street Address	197 HUDSON RD
City	STOW
State	MA
Zip	01775-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

197 Hudson Rd is owned and occupied by two individuals who bought it in July 2017.

Source: Middlesex County and Stow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	197 HUDSON RD, STOW, MA 01775-1216
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit METRO CU
Jun 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance METRO CU
Jul 13, 2017	Quit Claim Deed, Transfer · FHA Mortgage METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2017 · Amount on File
Deed Sale	Jul 13, 2017 · Amount on File
Prior Sale	Jan 2, 2003 · Amount on File
Deed Book / Page	69598 / 317
Transfer Doc	069598-317
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	197 HUDSON RD, STOW, MA 01775-1216
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077379-557
Date	Mar 31, 2021
Book Page	77379/557
Instrument	71307

Lender

Name	ENVISION BANK

Agreement

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

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	197 HUDSON RD, STOW, MA 01775-1216
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080989-33
Date	Nov 28, 2022
Book Page	80989/33
Instrument	173393

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	197 HUDSON RD, STOW, MA 01775-1216
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74961-421
Date	Jun 24, 2020
Book Page	74961/421
Instrument	99438

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jul 13, 2017
Property Address	197 HUDSON RD, STOW, MA 01775-1216
Document Number	69598-317
Book / Page	069598 / 000317
Instrument Date	Jun 1, 2017
Instrument	109353
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,745.12
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	197 HUDSON RD STOW MA 017751216, STOW, MA 01775-1216

Mortgage

Document Number	69598-321
Date	Jul 13, 2017
Book Page	069598/000321
Instrument	109354

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.63%

Tax Assessment & Valuation

The 2026 property tax bill for 197 Hudson Rd was $17,112, up 3.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,112.00 (+3.31%)	$957,600 (+0.72%) Land $411,200 Building $546,400	$1,027,506 (+25.52%)
2025	$16,563.00 (+10.65%)	$950,800 (+7.79%) Land $391,500 Building $559,300	$818,615
2024	$14,969.00 (+6.73%)	$882,100 (+14.03%) Land $360,700 Building $521,400
2023	$14,025.00	$773,600 Land $330,000 Building $443,600

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

Flood

FEMA maps place 197 Hudson Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 197 Hudson Rd is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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