Middlesex County and Natick Town property record for 20 Florence St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,622 sqft · built 1900 |
| Lot Size | 0.424 acres (18,456 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,650,000 (Apr 2026) |
| Tax Bill | $8,959 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Nov 2024 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00000080 |
| Primary APN | 36-00000080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,622 sqft Living Area |
| 1st Floor Area | 616 sqft |
| Basement Area | 544 sqft |
| Unfinished Basement | 544 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,456 sqft (0.424 acres) |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 36-00000080 |
|---|---|
| Street Address | 20 FLORENCE ST |
| City | NATICK |
| State | MA |
| Zip | 01760-3550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 382200 |
Source: Middlesex County and Natick Town records, as of September 10, 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 FLORENCE ST, B, NATICK, MA 01760-3550 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 5, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO |
| Apr 23, 2026 | Condominium Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC |
| Apr 17, 2026 | Condominium Deed, Transfer · ARM GUARANTEED RATE, INC |
| Oct 27, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO |
| Aug 4, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2026 · Amount on Record |
| Deed Sale | Apr 23, 2026 · Amount on Record |
| Prior Sale | Apr 17, 2026 · Amount on Record |
| Deed Document Number | 202645299 |
| Deed Book / Page | 85503 / 559 |
| Prior Transfer Date | Oct 26, 2023 |
| Prior Transfer Doc | 082141-334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0081964-64 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | 81964/64 |
| Instrument | 100085 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083518-334 |
|---|---|
| Date | Nov 26, 2024 |
| Book Page | 83518/334 |
| Instrument | 135607 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Apr 23, 2026 |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Document Number | 085503-559 |
| Book / Page | 85503 / 559 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.45299 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Date | Apr 23, 2026 |
|---|
| Name | GUARANTEED RATE, INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Apr 17, 2026 |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Document Number | 085485-296 |
| Book / Page | 85485 / 296 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.43239 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Investor | Possibly a Property Investor |
| Date | Apr 17, 2026 |
|---|
| Name | GUARANTEED RATE, INC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | May 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Oct 27, 2023 |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Document Number | 082141-334 |
| Book / Page | 82141 / 334 |
| Instrument Date | Oct 26, 2023 |
| Instrument | 122167 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 N PLEASANT ST, NATICK, MA 01760-2005 |
| Document Number | 0000122168 |
|---|---|
| Date | Oct 27, 2023 |
| Instrument | 122168 |
| Name | ROCKLAND TRUST CO |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Aug 4, 2022 |
| Property Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
| Document Number | 0080535-75 |
| Book / Page | 80535 / 75 |
| Instrument Date | Aug 3, 2022 |
| Instrument | 119503 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 FLORENCE ST, NATICK, MA 01760-3550 |
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,959.00 (+3.61%) | $749,100 (+6.21%) Land $469,000 Building $280,100 | $858,800 |
| 2024 | $8,647.00 (+3.73%) | $705,300 (+6.94%) Land $443,000 Building $262,300 | |
| 2023 | $8,336.00 | $659,500 Land $415,200 Building $244,300 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2014 · other causes |
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 | Not rated no burnable land within ember reach |
|---|
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 | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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