274 W Acton Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 274 W Acton Rd, Stow, MA 01775

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 4,257 sqft · built 1783
Lot Size	5.06 acres (220,414 sqft)
Owner	2 Trust Names on Record
Last Sale	$645,000 (Oct 2017)
Tax Bill	$17,968 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R-20 000011`

Property Details

APN / Parcel Number

Primary APN	`R-20 000011`
Alternative APNs	`STOW M:000R-20 P:011` `M:000R=20 P:011`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	4,257 sqft Living Area
Gross Area	7,331 sqft
1st Floor Area	1,706 sqft
Attic	Attic
Attic Area	1,176 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1783
Effective Year Built	Effective 1783
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	220,414 sqft (5.06 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	R-20 000011
Street Address	274 W ACTON RD
City	STOW
State	MA
Zip	01775-3100
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	1
Census Block	1006
Census Tract	323102

Owner

Source: Middlesex County and Stow Town records, as of October 20, 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	2 Trust Names on Record
Mailing Address	274 W ACTON RD, STOW, MA 01775-3100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVOY MORTGAGE LTD
Jun 2, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIDDLESEX SAVINGS BANK
Jun 14, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 16, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on Record
Deed Sale	Oct 16, 2017 · Amount on Record
Deed Book / Page	70083 / 157
Last Transfer Date	Jun 9, 2021
Transfer Doc	078007-370
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	274 W ACTON RD, STOW, MA 01775-3100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077061-231
Date	Feb 25, 2021
Book Page	77061/231
Instrument	42260

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	274 W ACTON RD, STOW, MA 01775-3100
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080216-538
Date	Jun 2, 2022
Book Page	80216/538
Instrument	82841

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jun 14, 2021
Property Address	274 W ACTON RD, STOW, MA 01775-3100
Document Number	078007-370
Book / Page	78007 / 370
Instrument Date	Jun 9, 2021
Instrument	133891
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 W ACTON RD, STOW, MA 01775-3100

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Oct 16, 2017
Property Address	274 W ACTON RD, STOW, MA 01775-3100
Document Number	70083-157
Book / Page	070083 / 000157
Instrument Date	Oct 16, 2017
Instrument	7421
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,941.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	274 W ACTON RD STOW MA 017753100, STOW, MA 01775-3100

Mortgage

Document Number	70083-163
Date	Oct 16, 2017
Book Page	070083/000163
Instrument	7422

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,968.00 (+34.83%)	$1,005,500 (+31.44%) Land $412,300 Building $593,200	$840,632
2025	$13,326.00 (+4.16%)	$765,000 (+1.47%) Land $392,600 Building $372,400
2024	$12,794.00	$753,900 Land $380,200 Building $373,700

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% 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 44 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

Cell Coverage

5G (outdoors only) and 4G LTE

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