Middlesex County and Acton Town property record for 20 Stow St, Acton, MA 01720
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 4 bd · 4 ba · 2,435 sqft · built 1850 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $785,000 (Aug 2023) |
| Tax Bill | $12,598 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00H2A B:0060 L:0000 |
| Primary APN | ACTO M:00H2A B:0060 L:0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 16 Rooms |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 2,435 sqft Living Area |
| Gross Area | 4,193 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Street Address | 20 STOW ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-3588 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | R2 |
| Legal Block | 60 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 363201 |
Source: Middlesex County and Acton Town records, as of June 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 STOW ST, ACTON, MA 01720-3588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK |
| Feb 5, 2026 | Deed of Trust, Mortgage MASSACHUSETTS HOUSING FINANCE AGENCY |
| Aug 8, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2023 · Amount on Record |
| Deed Sale | Aug 8, 2023 · Amount on Record |
| Deed Document Number | 202388379 |
| Deed Book / Page | 81865 / 95 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 20 STOW ST, ACTON, MA 01720-3588 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085103-165 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 85103/165 |
| Instrument | 2634 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Feb 1, 2033 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 20 STOW ST, ACTON, MA 01720-3588 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085196-510 |
|---|---|
| Date | Feb 5, 2026 |
| Book Page | 85196/510 |
| Instrument | 12911 |
| Name | MASSACHUSETTS HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Aug 8, 2023 |
| Property Address | 20 STOW ST, ACTON, MA 01720-3588 |
| Document Number | 0081865-95 |
| Book / Page | 81865 / 95 |
| Instrument Date | Aug 7, 2023 |
| Instrument | 88379 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 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 | 20 STOW ST, ACTON, MA 01720-3588 |
| Document Number | 0000088380 |
|---|---|
| Date | Aug 8, 2023 |
| Instrument | 88380 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2025 | $12,598.00 (+22.17%) | $734,600 (+18.75%) Land $274,000 Building $460,600 |
| 2024 | $10,312.00 (-1.1%) | $618,600 (+4.18%) Land $274,000 Building $344,600 |
| 2023 | $10,427.00 | $593,800 Land $249,200 Building $344,600 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 7 (1978–2010) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 | 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 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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