286 Old Lancaster Rd, Sudbury, MA 01776 Property Records

Middlesex County and Sudbury Town property record for 286 Old Lancaster Rd, Sudbury, MA 01776

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,122 sqft · built 1740
Lot Size	1.08 acres (47,406 sqft)
Owner	2 Trust Names on File
Last Sale	$499,900 (May 1996)
Tax Bill	$15,614 (2026)
Deeds & Mortgages	Nov 2023 Transfer Jul 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SUDB H-08-00004`

Property Details

APN / Parcel Number

Primary APN	`SUDB H-08-00004`
Alternative APN	`H=08=00004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,122 sqft Living Area
Gross Area	6,537 sqft
Basement Area	1,831 sqft
Unfinished Basement	1,831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1740
Effective Year Built	Effective 1740
Architectural Style	Historical
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,406 sqft (1.08 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	286 OLD LANCASTER RD
City	SUDBURY
State	MA
Zip	01776-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Jurisdiction	SUDBURY MA
Township / Civil Division	SUDBURY
Census Block Group	1
Census Block	1003
Census Tract	365201

Owner

286 Old Lancaster Rd is owner-occupied and held in a trust since November 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Nov 22, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE SAVINGS BANK
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Apr 30, 2018	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 1996 · Amount on File
Deed Sale	May 29, 1996 · Amount on File
Prior Sale	Feb 10, 1995 · Amount on File
Last Transfer Date	Nov 13, 2023
Transfer Doc	082244-397
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUDBURY MA
Recording Date	Nov 22, 2023
Property Address	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214
Document Number	082244-397
Book / Page	82244 / 397
Instrument Date	Nov 13, 2023
Instrument	134542
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUDBURY MA
Property Address	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080411-175
Date	Jul 11, 2022
Book Page	80411/175
Instrument	105023

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUDBURY MA
Property Address	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77538-371
Date	Apr 16, 2021
Book Page	77538/371
Instrument	86854

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUDBURY MA
Property Address	286 OLD LANCASTER RD, SUDBURY, MA 01776-2214
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70933-169
Date	Apr 30, 2018
Book Page	70933/169
Instrument	58543

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 286 Old Lancaster Rd was $15,614, up 0.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Sudbury Town
Secondary School District	Lincoln-Sudbury School District (09 - 12)
Elementary School District	Sudbury School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,614.00 (+0.68%)	$1,094,200 (+3.29%) Land $468,600 Building $625,600	$1,151,807 (-29.86%)
2025	$15,508.00 (+3.67%)	$1,059,300 (+3.46%) Land $442,200 Building $617,100	$1,642,170 (+14.24%)
2024	$14,959.00 (+10.43%)	$1,023,900 (+19.2%) Land $429,400 Building $594,500	$1,437,445
2023	$13,546.00	$859,000 Land $397,800 Building $461,200

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

Flood

FEMA maps place 286 Old Lancaster Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	4 in force
Nearby Flood Claims	3 (1979–2010)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 286 Old Lancaster Rd is low, with less than 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 98% of the US · lower than 96% 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	SUDBURY WATER DISTRICT serves 18,416 people · EPA ID MA3288000
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 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	4 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 69 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 and 4G LTE (outdoors only)

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