243 Deer Bay Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 243 Deer Bay Rd, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,216 sqft · built 1987
Lot Size	4.15 acres (180,774 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Sep 2023)
Tax Bill	$6,008 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:012.0 B:0118 L:0002.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:012.0 B:0118 L:0002.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,216 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	498 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	180,774 sqft (4.15 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	243 DEER BAY RD
City	ASHBY
State	MA
Zip	01431-2052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	118
Legal Lot Number	2.0
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	1
Census Block	1027
Census Tract	300100

Owner

243 Deer Bay Rd is owned by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	242 DEER BAY RD, ASHBY, MA 01431-2054
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2022	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Sep 15, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Prior Sale	May 24, 1999 · Amount on File
Deed Document Number	2023104858
Deed Book / Page	82003 / 429
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Property Address	243 DEER BAY RD, ASHBY, MA 01431-2052
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080848-112
Date	Oct 20, 2022
Book Page	80848/112
Instrument	156549

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Sep 15, 2023
Property Address	243 DEER BAY RD, ASHBY, MA 01431-2052
Document Number	082003-429
Book / Page	82003 / 429
Instrument Date	Sep 15, 2023
Instrument	104858
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	243 DEER BAY RD, ASHBY, MA 01431-2052

Mortgage

Document Number	0000104859
Date	Sep 15, 2023
Instrument	104859

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 243 Deer Bay Rd was $6,008, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,008.00 (+2.33%)	$381,200 (-1.12%) Land $74,100 Building $307,100	$402,881 (-11.22%)
2025	$5,871.00 (+0.27%)	$385,500 (+2.25%) Land $74,100 Building $311,400	$453,815 (+15.08%)
2024	$5,855.00 (+11.14%)	$377,000 (+17.52%) Land $71,700 Building $305,300	$394,345
2023	$5,268.00	$320,800 Land $66,900 Building $253,900

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

Flood

FEMA maps place 243 Deer Bay 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 A, 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

Wildfire risk around 243 Deer Bay 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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