Middlesex County and Natick Town property record for 31 Florence St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,211 sqft · built 1860 |
| Lot Size | 0.335 acres (14,571 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $720,000 (Oct 2018) |
| Tax Bill | $10,532 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance May 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00000090 |
| Primary APN | 36-00000090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,211 sqft Living Area |
| 1st Floor Area | 732 sqft |
| Basement Area | 375 sqft |
| Unfinished Basement | 375 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Lot Area | 14,571 sqft (0.335 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 36-00000090 |
|---|---|
| Street Address | 31 FLORENCE ST |
| City | NATICK |
| State | MA |
| Zip | 01760-2120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSC |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 382200 |
31 Florence St is owned and occupied by two individuals who bought it in October 2018.
Source: Middlesex County and Natick Town records, as of April 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 29, 2025 | Deed of Trust, Mortgage · Line of Credit NEEDHAM BANK |
| Sep 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 1, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC |
| Aug 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Oct 15, 2018 | Quit Claim Deed, Transfer AMERICAN NGBD MTG ACC |
| May 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2018 · Amount on File |
| Deed Sale | Oct 15, 2018 · Amount on File |
| Prior Sale | Sep 12, 2003 · Amount on File |
| Deed Book / Page | 71742 / 584 |
| Transfer Doc | 071742-584 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078704-160 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 78704/160 |
| Instrument | 205346 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084149-207 |
|---|---|
| Date | May 29, 2025 |
| Book Page | 84149/207 |
| Instrument | 58843 |
| Name | NEEDHAM BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78704-160 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 78704/160 |
| Instrument | 205346 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72537-583 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 72537/583 |
| Instrument | 55416 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75389-571 |
|---|---|
| Date | Aug 18, 2020 |
| Book Page | 75389/571 |
| Instrument | 140185 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Oct 15, 2018 |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Document Number | 71742-584 |
| Book / Page | 71742 / 584 |
| Instrument | 157926 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $86.73 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 717430001 |
|---|---|
| Date | Oct 15, 2018 |
| Instrument | 71743/0001 |
| Name | AMERICAN NGBD MTG ACC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 15, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 31 FLORENCE ST, NATICK, MA 01760-2120 |
| Document Number | 71031-435 |
| Instrument Date | May 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2018 |
| Name | Verified Name |
|---|---|
| Address | 31 FLORENCE ST NATICK MA 017602120, NATICK, MA 01760-2120 |
| Document Number | 71031-435 |
|---|---|
| Date | May 21, 2018 |
| Book Page | 071031/000435 |
| Instrument | 70494 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2048 |
The 2025 property tax bill for 31 Florence St was $10,532, up 3.6% from the year before.
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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,532.00 (+3.6%) | $880,600 (+6.2%) Land $485,900 Building $394,700 | $1,051,080 |
| 2024 | $10,166.00 (-3.3%) | $829,200 (-0.3%) Land $460,300 Building $368,900 | |
| 2023 | $10,513.00 | $831,700 Land $428,600 Building $403,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Florence St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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 |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2014 · other causes |
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 risk around 31 Florence St is low, with less than 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 97% of the US · lower than 94% 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 191 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 · Fixed Wireless in parts of the area | 980 / 880 |
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