Middlesex County and Natick Town property record for 3 Elm St, Natick, MA 01760
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,828 sqft · built 1900 |
| Lot Size | 0.19 acres (8,298 sqft) |
| Owner | Company Name on Record |
| Last Sale | $1,000,000 (Dec 2025) |
| Tax Bill | $9,230 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Dec 2025 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-00000222 |
| Primary APN | 43-00000222 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,828 sqft Living Area |
| 1st Floor Area | 690 sqft |
| Basement Area | 586 sqft |
| Unfinished Basement | 586 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Steel Frame |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 8,298 sqft (0.19 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 43-00000222 |
|---|---|
| Street Address | 3 ELM ST |
| City | NATICK |
| State | MA |
| Zip | 01760-4401 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RSA |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 382500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 10 OAK ST, NATICK, MA 01760-2926 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 16, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage EVERETT COOPERATIVE BANK |
| Dec 16, 2025 | Redemption Deed, Transfer |
| Dec 10, 2019 | Deed of Trust, Mortgage · Balloon Mortgage USA ALLIANCE FEDERAL CREDIT UNION |
| Jul 31, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Mar 1, 2019 | Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 16, 2025 · Amount on Record |
| Deed Sale | Dec 16, 2025 · Amount on Record |
| Prior Sale | Mar 1, 2019 · Amount on Record |
| Deed Book / Page | 85014 / 157 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Dec 16, 2025 |
| Property Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Document Number | 085014-157 |
| Book / Page | 85014 / 157 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 154453 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 OAK ST, NATICK, MA 01760-2926 |
| Document Number | 0000154454 |
|---|---|
| Date | Dec 16, 2025 |
| Instrument | 154454 |
| Name | EVERETT COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Jan 1, 2031 |
| Index | 1-Year CMT |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Dec 16, 2025 |
| Property Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Document Number | 085014-151 |
| Book / Page | 85014 / 151 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 154450 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0073792-53 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 73792/53 |
| Instrument | 194298 |
| Name | USA ALLIANCE FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 073024-420 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 73024/420 |
| Instrument | 111192 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Mar 1, 2019 |
| Property Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Document Number | 072283-446 |
| Book / Page | 72283 / 446 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 25470 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ELM ST, NATICK, MA 01760-4401 |
| Document Number | 0000025471 |
|---|---|
| Date | Mar 1, 2019 |
| Instrument | 25471 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,230.00 (+3.89%) | $771,700 (+6.5%) Land $430,900 Building $340,800 |
| 2024 | $8,884.00 (-2.37%) | $724,600 (+0.65%) Land $406,900 Building $317,700 |
| 2023 | $9,100.00 | $719,900 Land $383,000 Building $336,900 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 714 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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