31 Elm St, Acton, MA 01720 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,222 sqft · built 1967
Lot Size	0.612 acres (26,640 sqft)
Owner	2 Individual Names on File
Last Sale	$850,000 (Jun 2026)
Tax Bill	$12,127 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00E2 B:0282 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00E2 B:0282 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,222 sqft Living Area
Gross Area	2,642 sqft

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,640 sqft (0.612 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	31 ELM ST
City	ACTON
State	MA
Zip	01720-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	282
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	3
Census Block	3007
Census Tract	363202

Owner

31 Elm St is owned and occupied by two individuals who bought it in June 2026.

Source: Middlesex County and Acton Town records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	31 ELM ST, ACTON, MA 01720-2419
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Aug 2, 2010 · Amount on File
Deed Document Number	202679421
Deed Book / Page	85811 / 267
Prior Transfer Date	Jun 29, 2026
Prior Transfer Doc	0000079421
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Jun 30, 2026
Property Address	31 ELM ST, ACTON, MA 01720-2419
Document Number	0000079421
Book / Page	85811 / 267
Instrument Date	Jun 29, 2026
Instrument	202679421
Transaction Type	Transfer
Record Updated	Jul 22, 2026

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
Relationship	Tenants by the Entirety
Address	31 ELM ST, ACTON, MA 01720-2419

Mortgage

Date	Jun 30, 2026

Lender

Name	EMBRACE HOME LOANS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 31 Elm St was $12,127, up 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	$12,127.00 (+6%)	$707,100 (+3.03%) Land $278,100 Building $429,000	$754,490 (+2.81%)
2024	$11,441.00 (+1.44%)	$686,300 (+6.85%) Land $278,100 Building $408,200	$733,875
2023	$11,279.00	$642,300 Land $252,800 Building $389,500

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

Flood

FEMA maps place 31 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

Wildfire risk around 31 Elm St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880