31 Garner Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 31 Garner Rd, Stow, MA 01775 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,440 sqft · built 1967
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$592,000 (Jul 2020)
Tax Bill	$10,586 (2025)
Deeds & Mortgages	Nov 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-6 000103`

Property Details

APN / Parcel Number

Primary APN	`R-6 000103`
Alternative APNs	`STOW M:000R-6 P:103` `M:000R=6 P:103`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	3,382 sqft
1st Floor Area	1,444 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	44,867 sqft (1.03 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R-6 000103
Street Address	31 GARNER RD
City	STOW
State	MA
Zip	01775-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	3
Census Block	3001
Census Tract	323102

Owner

Source: Middlesex County and Stow Town records · APN R-6 000103

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	31 GARNER RD, STOW, MA 01775-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Nov 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE INC
Jul 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Jan 12, 2001 · Amount on Record
Deed Book / Page	75246 / 43
Last Transfer Date	Nov 15, 2021
Transfer Doc	079191-590
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	31 GARNER RD, STOW, MA 01775-1008
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079192-1
Date	Nov 22, 2021
Book Page	79192/1
Instrument	253643

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2036

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Nov 22, 2021
Property Address	31 GARNER RD, STOW, MA 01775-1008
Document Number	079191-590
Book / Page	79191 / 590
Instrument Date	Nov 15, 2021
Instrument	253642
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31 GARNER RD, STOW, MA 01775-1008

Mortgage

Document Number	0000253643
Date	Nov 22, 2021
Instrument	253643

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2036

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Jul 30, 2020
Property Address	31 GARNER RD, STOW, MA 01775-1008
Document Number	75246-43
Book / Page	75246 / 43
Instrument Date	Jul 20, 2020
Instrument	125661
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 GARNER RD, STOW, MA 01775-1008

Mortgage

Document Number	125662
Date	Jul 30, 2020
Instrument	125662

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Stow Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Stow Town
Unified School District	Nashoba School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,586.00 (-7.02%)	$607,700 (-9.42%) Land $342,700 Building $265,000	$669,940
2024	$11,385.00 (+1.72%)	$670,900 (+8.67%) Land $376,800 Building $294,100
2023	$11,193.00	$617,400 Land $336,800 Building $280,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173231023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 34% of the US · above 99% of Massachusetts
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 43 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Xfinity	Cable	2,000 / 250
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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