Middlesex County and Stow Town property record for 20 Heritage Ln, Stow, MA 01775
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,037 sqft · built 1997 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $975,000 (Apr 2021) |
| Tax Bill | $19,743 (2026) |
| Deeds & Mortgages | May 2026 Transfer Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-29 0085-2 |
| Primary APN | R-29 0085-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,037 sqft Living Area |
| Gross Area | 6,646 sqft |
| 1st Floor Area | 1,764 sqft |
| Basement Area | 1,764 sqft |
| Unfinished Basement | 1,764 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Attached |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R-29 0085-2 |
|---|---|
| Street Address | 20 HERITAGE LN |
| City | STOW |
| State | MA |
| Zip | 01775-1398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | STOW MA |
| Township / Civil Division | STOW |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 323101 |
20 Heritage Ln is owner-occupied and held in a trust since April 2021.
Source: Middlesex County and Stow Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 7, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Apr 26, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Dec 5, 2019 | Deed of Trust, Mortgage · ARM BOSTON PRIVATE BANK & TRUST COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on File |
| Deed Sale | Apr 26, 2021 · Amount on File |
| Prior Sale | Oct 1, 1997 · Amount on File |
| Deed Document Number | 202193629 |
| Deed Book / Page | 77608 / 109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STOW MA |
| Recording Date | May 7, 2026 |
| Property Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Document Number | 085568-190 |
| Book / Page | 85568 / 190 |
| Instrument Date | May 7, 2026 |
| Instrument | 202652268 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STOW MA |
| Recording Date | Apr 26, 2021 |
| Property Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Document Number | 77608-109 |
| Book / Page | 77608 / 109 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 93629 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
| Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Document Number | 93630 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 93630 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 20 HERITAGE LN, STOW, MA 01775-1398 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73769-300 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | 73769/300 |
| Instrument | 191538 |
| Name | BOSTON PRIVATE BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jan 1, 2025 |
The 2026 property tax bill for 20 Heritage Ln was $19,743, up 1% from the year before.
Source: Middlesex County and Stow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Stow Town |
| Unified School District | Nashoba School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $19,743.00 (+9.99%) | $1,104,800 (+7.22%) Land $408,600 Building $696,200 | $1,069,190 (+11.41%) |
| 2025 | $17,950.00 (+7.25%) | $1,030,400 (+4.48%) Land $340,500 Building $689,900 | $959,690 |
| 2024 | $16,736.00 (+6.56%) | $986,200 (+13.84%) Land $341,600 Building $644,600 | |
| 2023 | $15,706.00 | $866,300 Land $310,600 Building $555,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Heritage Ln in Zone X, an area of minimal flood risk.
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 |
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 risk around 20 Heritage Ln is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 82 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 / 2,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures