Middlesex County and Stow Town property record for 21 Heritage Ln, Stow, MA 01775
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,972 sqft · built 1997 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $699,000 (Jun 2019) |
| Tax Bill | $16,035 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit May 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-29 85-12A |
| Primary APN | R-29 85-12A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,972 sqft Living Area |
| Gross Area | 6,020 sqft |
| 1st Floor Area | 1,460 sqft |
| Basement Area | 1,460 sqft |
| Unfinished Basement | 1,460 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,621 sqft (0.68 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R-29 85-12A |
|---|---|
| Street Address | 21 HERITAGE LN |
| City | STOW |
| State | MA |
| Zip | 01775-1397 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Subdivision | ELIZABETH BROOK FARM |
| Jurisdiction | STOW MA |
| Township / Civil Division | STOW |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 323101 |
21 Heritage Ln is owned and occupied by an individual who bought it in June 2019.
Source: Middlesex County and Stow Town records, as of April 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 HERITAGE LN, STOW, MA 01775-1397 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Mar 30, 2018 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| May 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC |
| Jun 24, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANTANDER BANK NA |
| Apr 12, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2019 · Amount on File |
| Deed Sale | Jun 24, 2019 · Amount on File |
| Prior Sale | Apr 12, 2019 · Amount on File |
| Deed Document Number | 201986955 |
| Deed Book / Page | 72811 / 419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 21 HERITAGE LN, STOW, MA 01775-1397 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70799-297 |
|---|---|
| Date | Mar 30, 2018 |
| Book Page | 70799/297 |
| Instrument | 42297 |
| Name | SANTANDER BANK NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 21 HERITAGE LN, STOW, MA 01775-1397 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74592-109 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 74592/109 |
| Instrument | 65707 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STOW MA |
| Recording Date | Jun 24, 2019 |
| Property Address | 21 HERITAGE LN, STOW, MA 01775-1397 |
| Document Number | 72811-419 |
| Book / Page | 72811 / 419 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 86955 |
| Transaction Type | Transfer |
| Record Updated | May 12, 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 |
|---|---|
| Address | 11 HARVEST CT, CLINTON, NJ 08809-1011 |
| Document Number | 86956 |
|---|---|
| Date | Jun 24, 2019 |
| Instrument | 86956 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jul 1, 2034 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STOW MA |
| Recording Date | Apr 12, 2019 |
| Property Address | 21 HERITAGE LN, STOW, MA 01775-1397 |
| Document Number | 72449-494 |
| Book / Page | 072449 / 000494 |
| Instrument Date | Apr 10, 2019 |
| Instrument | 45525 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $22.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 25 HERITAGE LN STOW MA 017751397, STOW, MA 01775-1397 |
The 2025 property tax bill for 21 Heritage Ln was $16,035, up 7.1% 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 |
|---|---|---|---|
| 2025 | $16,035.00 (+7.07%) | $920,500 (+4.31%) Land $339,900 Building $580,600 | $899,935 |
| 2024 | $14,976.00 (+1.98%) | $882,500 (+8.95%) Land $341,100 Building $541,400 | |
| 2023 | $14,685.00 | $810,000 Land $310,100 Building $499,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Heritage Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, within 500 ft |
| 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 21 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 |
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