Middlesex County and Acton Town property record for 3 Elm St, Apt 4, Acton, MA 01720
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,000 sqft · built 1969 |
| Lot Size | 6.98 acres (304,137 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Jan 2004) |
| Tax Bill | $5,275 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2024 Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | ACTO M:00E2 B:0240 L:0304 |
| Primary APN | ACTO M:00E2 B:0240 L:0304 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 8 Units |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 304,137 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3 ELM ST, 4 |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2429 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | R2 |
| Legal Subdivision | JEFFERSON |
| Legal Block | 240 |
| Legal Lot Number | 304 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 363202 |
Source: Middlesex County and Acton Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3 ELM ST, 4, ACTON, MA 01720-2429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage SOUTH MIDDLESEX OPPORTUNITY COUNCIL |
| Jul 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2004 · Amount on Record |
| Deed Sale | Jan 27, 2004 · Amount on Record |
| Prior Sale | May 11, 1998 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 3 ELM ST APT 4, 4, ACTON, MA 01720-2429 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001987952 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 1987952 |
| Name | SOUTH MIDDLESEX OPPORTUNITY COUNCIL |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 601 Months |
| Due | Nov 1, 2075 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 3 ELM ST APT 4, 4, ACTON, MA 01720-2429 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001960660 |
|---|---|
| Date | Jul 22, 2024 |
| Instrument | 1960660 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2054 |
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,275.00 (+12.38%) | $307,600 (+9.23%) Building $307,600 | $367,270 (-6.62%) |
| 2024 | $4,694.00 (+12.22%) | $281,600 (+18.22%) Building $281,600 | $393,300 |
| 2023 | $4,183.00 | $238,200 Building $238,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 45 units insured incl. 40 condo units |
| Nearby Flood Claims | 3 (1978–1999) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Feb 1999 · rainfall accumulation |
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: 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ACTON WATER SUPPLY DISTRICT serves 21,285 people · EPA ID MA2002000 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Oct 2024 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 22 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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