Middlesex County and Sudbury Town property record for 21 Phillips Rd, Sudbury, MA 01776
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,748 sqft · built 1969 |
| Lot Size | 1.03 acres (45,228 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Apr 2017) |
| Tax Bill | $17,137 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Apr 2026 Transfer + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SUDB F-06-00105 |
| Primary APN | SUDB F-06-00105 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,748 sqft Living Area |
| Gross Area | 4,840 sqft |
| Basement Area | 876 sqft |
| Unfinished Basement | 876 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,228 sqft (1.03 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 21 PHILLIPS RD |
|---|---|
| City | SUDBURY |
| State | MA |
| Zip | 01776-1271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESA |
| Jurisdiction | SUDBURY MA |
| Township / Civil Division | SUDBURY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 365100 |
21 Phillips Rd is owned and occupied by an individual who bought it in April 2017.
Source: Middlesex County and Sudbury Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED NATIONS FEDERAL CREDIT UNION |
| Apr 28, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Apr 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Nov 4, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 25, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on File |
| Deed Sale | Apr 25, 2017 · Amount on File |
| Deed Document Number | 201759848 |
| Deed Book / Page | 69185 / 358 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Recording Date | Sep 29, 2026 |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Number | 0000122964 |
| Book / Page | 86187 / 576 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 2026122964 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Number | 0000122964, |
|---|---|
| Date | Sep 29, 2026 |
| Book Page | 86187/576 |
| Instrument | 2026122964 |
| Name | UNITED NATIONS FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUDBURY MA |
| Recording Date | Apr 28, 2026 |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Number | 085520-304 |
| Book / Page | 85520 / 304 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 202647104 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078514-429 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 78514/429 |
| Instrument | 186982 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78514-429 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 78514/429 |
| Instrument | 186982 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74507-116 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 74507/116 |
| Instrument | 58390 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76085-38 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 76085/38 |
| Instrument | 205411 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUDBURY MA |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Number | 70177-508 |
| Book / Page | 070177 / 000508 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 70177-508 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 070177/000508 |
| Instrument | 8714 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SUDBURY MA |
| Recording Date | Apr 25, 2017 |
| Property Address | 21 PHILLIPS RD, SUDBURY, MA 01776-1271 |
| Document Number | 69185-358 |
| Book / Page | 069185 / 000358 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 59848 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21 PHILLIPS RD SUDBURY MA 017761271, SUDBURY, MA 01776-1271 |
| Document Number | 69185-362 |
|---|---|
| Date | Apr 25, 2017 |
| Book Page | 069185/000362 |
| Instrument | 59849 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 24, 2047 |
The 2026 property tax bill for 21 Phillips Rd was $17,137, up 1.1% from the year before.
Source: Middlesex County and Sudbury Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Sudbury Town |
| Secondary School District | Lincoln-Sudbury School District (09 - 12) |
| Elementary School District | Sudbury School District (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $17,137.00 (+1.13%) | $1,200,900 (+3.75%) Land $526,100 Building $674,800 | $1,258,932 (+10.82%) |
| 2025 | $16,946.00 (+3.67%) | $1,157,500 (+3.46%) Land $500,900 Building $656,600 | $1,136,010 (+3.29%) |
| 2024 | $16,346.00 (+7.4%) | $1,118,800 (+15.93%) Land $486,500 Building $632,300 | $1,099,815 |
| 2023 | $15,220.00 | $965,100 Land $434,500 Building $530,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Phillips Rd 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 Phillips Rd is low, with a 0.01% 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 | 0.01% 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUDBURY WATER DISTRICT serves 18,416 people · EPA ID MA3288000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 48 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 |
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