20 Eliot Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 20 Eliot Dr, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,926 sqft · built 1972
Lot Size	1.78 acres (77,711 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (Jul 2010)
Tax Bill	$15,727 (2026)
Deeds & Mortgages	Mar 2020 Refinance Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-6 000017`

Property Details

APN / Parcel Number

Primary APN	`R-6 000017`
Alternative APNs	`STOW M:000R-6 P:017` `M:000R=6 P:017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,926 sqft Living Area
Gross Area	5,057 sqft
1st Floor Area	1,500 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Other
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	77,711 sqft (1.78 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-6 000017
Street Address	20 ELIOT DR
City	STOW
State	MA
Zip	01775-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HARVARD ACRES
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	3
Census Block	3002
Census Tract	323102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	20 ELIOT DR, STOW, MA 01775-1009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 31, 2017	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2010 · Amount on Record
Deed Sale	Jul 16, 2010 · Amount on Record
Deed Document Number	2010117371
Deed Book / Page	55000 / 571
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	20 ELIOT DR, STOW, MA 01775-1009
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74340-339
Date	Mar 24, 2020
Book Page	74340/339
Instrument	43513

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	20 ELIOT DR, STOW, MA 01775-1009
Document Number	68866-512
Book / Page	068866 / 000512
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68866-512
Date	Feb 6, 2017
Book Page	068866/000512
Instrument	20798

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2047

Tax Assessment & Valuation

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	$15,727.00 (+3.26%)	$880,100 (+0.66%) Land $429,000 Building $451,100	$905,664 (+1.42%)
2025	$15,230.00 (+7.3%)	$874,300 (+4.53%) Land $371,700 Building $502,600	$893,000
2024	$14,194.00 (+7.13%)	$836,400 (+14.45%) Land $408,400 Building $428,000
2023	$13,249.00	$730,800 Land $365,400 Building $365,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

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.

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	0.02% 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 115 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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