Middlesex County and Stow Town property record for 3 Circuit Dr, Stow, MA 01775
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,053 sqft · built 1968 |
| Lot Size | 0.915 acres (39,857 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $540,000 (Sep 2017) |
| Tax Bill | $11,671 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Nov 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R-15 000092 |
| Primary APN | R-15 000092 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,053 sqft Living Area |
| Gross Area | 3,856 sqft |
| 1st Floor Area | 1,065 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 988 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Wood Siding |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 39,857 sqft (0.915 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R-15 000092 |
|---|---|
| Street Address | 3 CIRCUIT DR |
| City | STOW |
| State | MA |
| Zip | 01775-1306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | STOW MA |
| Township / Civil Division | STOW |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 323101 |
Source: Middlesex County and Stow Town records · APN R-15 000092
Assessment roll updated April 14, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | 3 CIRCUIT DR, STOW, MA 01775-1306 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION |
| Nov 24, 2021 | Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FEDERAL CREDIT UNION |
| May 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF CANTON |
| Sep 18, 2017 | Quit Claim Deed, Transfer · Conventional with PMI PHH HM LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2017 · Amount on Record |
| Deed Sale | Sep 18, 2017 · Amount on Record |
| Prior Sale | Aug 04, 2016 · Amount on Record |
| Deed Book / Page | 69948 / 227 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 3 CIRCUIT DR, STOW, MA 01775-1306 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079218-349 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 79218/349 |
| Instrument | 256153 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 3 CIRCUIT DR, STOW, MA 01775-1306 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79218-349 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 79218/349 |
| Instrument | 256153 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STOW MA |
| Property Address | 3 CIRCUIT DR, STOW, MA 01775-1306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74708-352 |
|---|---|
| Date | May 20, 2020 |
| Book Page | 74708/352 |
| Instrument | 76067 |
| Name | BANK OF CANTON |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STOW MA |
| Recording Date | Sep 18, 2017 |
| Property Address | 3 CIRCUIT DR, STOW, MA 01775-1306 |
| Document Number | 69948-227 |
| Book / Page | 069948 / 000227 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 151318 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,462.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3 CIRCUIT DR STOW MA 017751306, STOW, MA 01775-1306 |
| Document Number | 69948-230 |
|---|---|
| Date | Sep 18, 2017 |
| Book Page | 069948/000230 |
| Instrument | 151319 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2047 |
Source: Middlesex County and Stow Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Stow Town |
| Unified School District | Nashoba School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,671.00 (+7.14%) | $670,000 (+4.38%) Land $336,100 Building $333,900 | $686,945 |
| 2024 | $10,893.00 (-7.36%) | $641,900 (-1.03%) Land $308,000 Building $333,900 | |
| 2023 | $11,759.00 | $648,600 Land $280,000 Building $368,600 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 77 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | JUNIPER HILL WATER COMPANY private · serves 220 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 5 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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