Middlesex County and Acton Town property record for 312 Central St, Acton, MA 01720
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,365 sqft · built 1994 |
| Lot Size | 0.768 acres (33,450 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $645,500 (Jun 2017) |
| Tax Bill | $14,252 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit Nov 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | ACTO M:00F2A B:0016 L:0001 |
| Primary APN | ACTO M:00F2A B:0016 L:0001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,365 sqft Living Area |
| Gross Area | 4,928 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,450 sqft (0.768 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 312 CENTRAL ST |
|---|---|
| City | ACTON |
| State | MA |
| Zip | 01720-2444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Block | 16 |
| Legal Lot Number | 1 |
| Jurisdiction | ACTON MA |
| Township / Civil Division | ACTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 363201 |
Source: Middlesex County and Acton Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 17, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Dec 20, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance CITIZENS BANK |
| Jul 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jun 21, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on Record |
| Deed Sale | Jun 21, 2017 · Amount on Record |
| Prior Sale | Jul 29, 2003 · Amount on Record |
| Deed Book / Page | 69466 / 230 |
| Last Transfer Date | Mar 17, 2022 |
| Transfer Doc | 079835-376 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 078968-135 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 78968/135 |
| Instrument | 231653 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ACTON MA |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 080896-427 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 80896/427 |
| Instrument | 162329 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Mar 17, 2022 |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Document Number | 079835-376 |
| Book / Page | 79835 / 376 |
| Instrument Date | Mar 17, 2022 |
| Instrument | 40277 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Dec 20, 2021 |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Document Number | 0079385-63 |
| Book / Page | 79385 / 63 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 273662 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Investor | Possibly a Property Investor |
| Document Number | 0000273663 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 273663 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Jul 21, 2017 |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Document Number | 69641-458 |
| Book / Page | 069641 / 000458 |
| Instrument Date | Jun 20, 2017 |
| Instrument | 114462 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 312 CENTRAL ST ACTON MA 017202444, ACTON, MA 01720-2444 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ACTON MA |
| Recording Date | Jun 21, 2017 |
| Property Address | 312 CENTRAL ST, ACTON, MA 01720-2444 |
| Document Number | 69466-230 |
| Book / Page | 069466 / 000230 |
| Instrument Date | May 5, 2017 |
| Instrument | 93668 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,943.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 CENTRAL ST ACTON MA 017202444, ACTON, MA 01720-2444 |
| Document Number | 69466-234 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 069466/000234 |
| Instrument | 93669 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2047 |
| Rate | 2.88% |
|---|
Source: Middlesex County and Acton Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Acton Town |
| Unified School District | Acton-Boxborough Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,252.00 (+8.76%) | $831,000 (+5.71%) Land $282,700 Building $548,300 | $947,055 (+4.64%) |
| 2024 | $13,104.00 (+2.39%) | $786,100 (+7.86%) Land $282,700 Building $503,400 | $905,065 |
| 2023 | $12,798.00 | $728,800 Land $256,900 Building $471,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 2 (1979–1982) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 1982 · 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 226 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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