197 School St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 197 School St, Acton, MA 01720 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,330 sqft · built 1960
Lot Size	0.513 acres (22,366 sqft)
Owner	Individual Name on File
Last Sale	$499,900 (Oct 2019)
Tax Bill	$11,045 (2025)
Deeds & Mortgages	Nov 2020 Refinance Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00H3 B:0111 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00H3 B:0111 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
Gross Area	2,342 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,366 sqft (0.513 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	197 SCHOOL ST
City	ACTON
State	MA
Zip	01720-4417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	111
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1020
Census Tract	363104

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00H3 B:0111 L:0000

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 Record	Individual Name on File
Mailing Address	197 SCHOOL ST, ACTON, MA 01720-4417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA
Oct 31, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Jan 29, 2010 · Amount on Record
Deed Document Number	2019169382
Deed Book / Page	73566 / 335
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	197 SCHOOL ST, ACTON, MA 01720-4417
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76291-450
Date	Nov 30, 2020
Book Page	76291/450
Instrument	225320

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	197 SCHOOL ST, ACTON, MA 01720-4417
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72759-526
Date	Jun 14, 2019
Book Page	72759/526
Instrument	81072

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Oct 31, 2019
Property Address	197 SCHOOL ST, ACTON, MA 01720-4417
Document Number	73566-335
Book / Page	73566 / 335
Instrument Date	Oct 22, 2019
Instrument	169382
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 SCHOOL ST, ACTON, MA 01720-4417

Mortgage

Document Number	169383
Date	Oct 31, 2019
Instrument	169383

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Acton Town records · Assessment roll updated April 14, 2026 · Last verified July 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	$11,045.00 (+5.52%)	$644,000 (+2.56%) Land $315,600 Building $328,400	$734,635 (+1.19%)
2024	$10,467.00 (+1.93%)	$627,900 (+7.37%) Land $315,600 Building $312,300	$725,990
2023	$10,269.00	$584,800 Land $287,000 Building $297,800

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
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.

Mobile Coverage

5G (outdoors only) and 4G LTE

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