31 Adams St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 31 Adams St, Acton, MA 01720

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,666 sqft · built 1969
Lot Size	0.517 acres (22,500 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Aug 2019)
Tax Bill	$12,002 (2025)
Deeds & Mortgages	Apr 2021 Refinance Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00J3 B:0024 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00J3 B:0024 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,666 sqft Living Area
Gross Area	3,226 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,500 sqft (0.517 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 ADAMS ST
City	ACTON
State	MA
Zip	01720-5915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Subdivision	CONTINENTAL TERRACE
Legal Block	24
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	3
Census Block	3016
Census Tract	363104

Owner

31 Adams St is owned and occupied by an individual who bought it in August 2019.

Source: Middlesex County and Acton Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	31 ADAMS ST, ACTON, MA 01720-5915
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CENTRAL ONE FEDERAL CREDIT UNION
Aug 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2019 · Amount on File
Deed Sale	Aug 15, 2019 · Amount on File
Prior Sale	Aug 24, 1999 · Amount on File
Deed Document Number	2019120967
Deed Book / Page	73113 / 141
Prior Transfer Date	Aug 10, 2019
Prior Transfer Doc	73113-141
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	31 ADAMS ST, ACTON, MA 01720-5915
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77547-74
Date	Apr 20, 2021
Book Page	77547/74
Instrument	87780

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	31 ADAMS ST, ACTON, MA 01720-5915
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75141-492
Date	Jul 17, 2020
Book Page	75141/492
Instrument	116043

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Aug 15, 2019
Property Address	31 ADAMS ST, ACTON, MA 01720-5915
Document Number	73113-141
Book / Page	73113 / 141
Instrument Date	Aug 10, 2019
Instrument	120967
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	31 ADAMS ST, ACTON, MA 01720-5915

Mortgage

Document Number	120968
Date	Aug 15, 2019
Instrument	120968

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 31 Adams St was $12,002, up 6.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,002.00 (+6.58%)	$699,800 (+3.6%) Land $315,900 Building $383,900	$679,060 (+1.84%)
2024	$11,261.00 (+2.71%)	$675,500 (+8.18%) Land $315,900 Building $359,600	$666,805
2023	$10,964.00	$624,400 Land $287,300 Building $337,100

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

Flood

FEMA maps place 31 Adams St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 1979 · 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.

Wildfire

The area around 31 Adams St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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