28 Centre St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 28 Centre St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,558 sqft · built 1955
Lot Size	0.31 acres (13,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$970,000 (Jul 2022)
Tax Bill	$9,662 (2025)
Deeds & Mortgages	May 2021 Line of Credit Jul 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-00000032`

Property Details

APN / Parcel Number

Primary APN	`20-00000032`
Alternative APN	`NATI M:00000020 P:00000032`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,558 sqft Living Area
1st Floor Area	768 sqft
Basement Area	982 sqft
Unfinished Basement	982 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2021
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	13,499 sqft (0.31 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	20-00000032
Street Address	28 CENTRE ST
City	NATICK
State	MA
Zip	01760-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	4
Census Block	4000
Census Tract	382100

Owner

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	28 CENTRE ST, NATICK, MA 01760-1804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 4, 2021	Deed of Trust, Mortgage · Line of Credit DEAN COOPERATIVE BANK
Jul 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO
Jan 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DEAN COOPERATIVE BANK
Apr 9, 2019	Deed of Trust, Mortgage · Balloon Mortgage DEAN COOPERATIVE BANK
Aug 23, 2018	Quit Claim Deed, Transfer · Conventional with PMI DEAN BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Aug 23, 2018 · Amount on Record
Deed Book / Page	80378 / 150
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	28 CENTRE ST, NATICK, MA 01760-1804
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077682-571
Date	May 4, 2021
Book Page	77682/571
Instrument	100830

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jul 1, 2022
Property Address	28 CENTRE ST, NATICK, MA 01760-1804
Document Number	080378-150
Book / Page	80378 / 150
Instrument Date	Jul 1, 2022
Instrument	101124
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
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	28 CENTRE ST, NATICK, MA 01760-1804

Mortgage

Document Number	0000101125
Date	Jul 1, 2022
Instrument	101125

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	28 CENTRE ST, NATICK, MA 01760-1804
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073978-46
Date	Jan 13, 2020
Book Page	73978/46
Instrument	5080

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	28 CENTRE ST, NATICK, MA 01760-1804
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072434-285
Date	Apr 9, 2019
Book Page	72434/285
Instrument	43737

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Aug 23, 2018
Property Address	28 CENTRE ST, NATICK, MA 01760-1804
Document Number	71514-22
Book / Page	071514 / 000022
Instrument Date	Aug 21, 2018
Instrument	129408
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.20
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	28 CENTRE ST NATICK MA 017601804, NATICK, MA 01760-1804

Mortgage

Document Number	71514-27
Date	Aug 23, 2018
Book Page	071514/000027
Instrument	129409

Lender

Name	DEAN BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,662.00 (+3.39%)	$807,900 (+6%) Land $432,500 Building $375,400	$1,069,890
2024	$9,345.00 (+2.3%)	$762,200 (+5.47%) Land $407,000 Building $355,200
2023	$9,135.00	$722,700 Land $391,100 Building $331,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880

May also be available: AT&T.

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