24 Smith St, Groton, MA 01450 Property Records

Middlesex County and Groton Town property record for 24 Smith St, Groton, MA 01450

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,230 sqft · built 1995
Lot Size	1.66 acres (72,309 sqft)
Owner	2 Individual Names on File
Last Sale	$1,120,000 (Dec 2023)
Tax Bill	$14,351 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`GROT M:220 B:7 L`

Property Details

APN / Parcel Number

Primary APN	`GROT M:220 B:7 L`
Alternative APNs	`GRTN M:220 B:7 L` `3941`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,230 sqft Living Area
Gross Area	6,759 sqft
1st Floor Area	2,074 sqft
Basement Area	758 sqft
Unfinished Basement	758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,309 sqft (1.66 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3941
Street Address	24 SMITH ST
City	GROTON
State	MA
Zip	01450-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	7
Jurisdiction	GROTON MA
Township / Civil Division	GROTON
Census Block Group	1
Census Block	1020
Census Tract	326101

Owner

24 Smith St is owned and occupied by two individuals who bought it in December 2023.

Source: Middlesex County and Groton Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	24 SMITH ST, GROTON, MA 01450-1812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage ALLIANT CU
Feb 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Dec 8, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2023 · Amount on File
Deed Sale	Dec 8, 2023 · Amount on File
Prior Sale	Jul 8, 2002 · Amount on File
Deed Document Number	2023140561
Deed Book / Page	82292 / 434
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	24 SMITH ST, GROTON, MA 01450-1812
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084806-279
Date	Oct 30, 2025
Book Page	84806/279
Instrument	132099

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Nov 1, 2032
Index	Other

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GROTON MA
Property Address	24 SMITH ST, GROTON, MA 01450-1812
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079688-24
Date	Feb 15, 2022
Book Page	79688/24
Instrument	24513

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GROTON MA
Recording Date	Dec 8, 2023
Property Address	24 SMITH ST, GROTON, MA 01450-1812
Document Number	082292-434
Book / Page	82292 / 434
Instrument Date	Dec 8, 2023
Instrument	140561
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 SMITH ST, GROTON, MA 01450-1812

Mortgage

Document Number	0000140562
Date	Dec 8, 2023
Instrument	140562

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.88%
Type Change Date	Jan 1, 2029
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 24 Smith St was $14,351, up 2.3% from the year before.

Source: Middlesex County and Groton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Groton Town
Unified School District	Groton-Dunstable School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,351.00 (+2.33%)	$971,000 (+5.59%) Land $269,100 Building $701,900	$1,173,915 (-)
2025	$14,024.00 (+2.57%)	$919,600 (+1.5%) Land $256,600 Building $663,000	$1,173,915 (+12.96%)
2024	$13,672.00 (+5.77%)	$906,000 (+9.62%) Land $256,600 Building $649,400	$1,039,205
2023	$12,926.00	$826,500 Land $256,600 Building $569,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 24 Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 24 Smith St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GROTON WATER DEPARTMENT serves 5,017 people · EPA ID MA2115000
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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