Middlesex County and Acton Town property record for 198 Central St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,970 sqft · built 1860 |
| Lot Size | 0.754 acres (32,834 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $630,000 (May 2017) |
| Tax Bill | $13,130 (2025) |
| Deeds & Mortgages | Feb 2021 Refinance Oct 2022 Refinance + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | ACTO M:00F2B B:0083 L:0000 |
| Primary APN | ACTO M:00F2B B:0083 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,970 sqft Living Area |
| Gross Area | 3,748 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Historical |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 32,834 sqft (0.754 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 198 CENTRAL ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 83 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 363201 |
Source: Middlesex County and Acton Town records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 198 CENTRAL ST, ACTON, MA 01720-2803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Oct 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Oct 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| May 2, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage HARVARD UNIV CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on Record |
| Deed Sale | May 2, 2017 · Amount on Record |
| Prior Sale | Aug 24, 2015 |
| Deed Book / Page | 69225 / 439 |
| Transfer Doc | 069225-439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 198 CENTRAL ST, ACTON, MA 01720-2803 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0076903-67 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 76903/67 |
| Instrument | 28129 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 198 CENTRAL ST, ACTON, MA 01720-2803 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080824-582 |
|---|---|
| Date | Oct 14, 2022 |
| Book Page | 80824/582 |
| Instrument | 153792 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 198 CENTRAL ST, ACTON, MA 01720-2803 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75938-454 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | 75938/454 |
| Instrument | 191766 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | May 2, 2017 |
| Property Address | 198 CENTRAL ST, ACTON, MA 01720-2803 |
| Document Number | 69225-439 |
| Book / Page | 069225 / 000439 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 64675 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,872.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 198 CENTRAL ST ACTON MA 017202803, ACTON, MA 01720-2803 |
| Document Number | 69225-443 |
|---|---|
| Date | May 2, 2017 |
| Book Page | 069225/000443 |
| Instrument | 64676 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,130.00 (+2.88%) | $765,600 (-) Land $282,400 Building $483,200 | $858,420 (-4.79%) |
| 2024 | $12,763.00 (+0.6%) | $765,600 (+5.97%) Land $282,400 Building $483,200 | $901,645 |
| 2023 | $12,687.00 | $722,500 Land $256,800 Building $465,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1979–1982) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 1982 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 100 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 |
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