28 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 28 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,412 sqft · built 2006
Lot Size	36.7 acres (1,599,459 sqft)
Owner	2 Trust Names on File
Last Sale	$750,000 (Jul 2024)
Tax Bill	$12,461 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jul 2024 Sale & Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-59`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-59`
Alternative APNs	`STOW M:000R-10 P:065A-59` `M:000R=10 P:065A=59`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,412 sqft Living Area
Gross Area	4,423 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R-10 65A-59
Street Address	28 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

28 Orchard Dr, a condominium, is owner-occupied and held in a trust since January 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	28 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Feb 2, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 26, 2024	Quit Claim Deed, Transfer · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Jun 15, 2017	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on File
Deed Sale	Jul 26, 2024 · Amount on File
Prior Sale	Jun 15, 2017 · Amount on File
Deed Book / Page	83053 / 371
Last Transfer Date	Jan 30, 2026
Transfer Doc	0085184-90
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Feb 2, 2026
Property Address	28 ORCHARD DR, STOW, MA 01775-1069
Document Number	0085184-90
Book / Page	85184 / 90
Instrument Date	Jan 30, 2026
Instrument	11547
Transaction Type	Transfer
Record Updated	Feb 25, 2026

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	28 ORCHARD DR, STOW, MA 01775-1069

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jul 26, 2024
Property Address	28 ORCHARD DR, STOW, MA 01775-1069
Document Number	083053-371
Book / Page	83053 / 371
Instrument Date	Jun 25, 2024
Instrument	82753
Transaction Type	Transfer
Record Updated	Aug 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	28 ORCHARD DR # 59, 59, STOW, MA 01775-1069

Mortgage

Document Number	083053-375
Date	Jul 26, 2024
Book Page	83053/375
Instrument	82754

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jun 15, 2017
Property Address	28 ORCHARD DR, STOW, MA 01775-1069
Document Number	69437-302
Book / Page	069437 / 000302
Instrument Date	May 31, 2017
Instrument	90312
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,211.60
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 ORCHARD DR #59 STOW MA 017751069, 59, STOW, MA 01775-1069

Mortgage

Document Number	69437-306
Date	Jun 15, 2017
Book Page	069437/000306
Instrument	90313

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 28 Orchard Dr was $12,461, up 1.6% from the year before.

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	$12,461.00 (+1.61%)	$697,300 (-0.95%) Building $697,300	$700,558 (+0.73%)
2025	$12,264.00 (+4.15%)	$704,000 (+1.46%) Building $704,000	$695,495
2024	$11,775.00 (-2.65%)	$693,900 (+4%) Building $693,900
2023	$12,096.00	$667,200 Building $667,200

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

Flood

FEMA maps place 28 Orchard Dr 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 28 Orchard Dr 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

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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) 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 93 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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