316 W Acton Rd, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 316 W Acton Rd, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,287 sqft · built 2016
Lot Size	4.36 acres (190,270 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Dec 2017)
Tax Bill	$20,027 (2026)
Deeds & Mortgages	Sep 2020 Refinance Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-20 0017-3`

Property Details

APN / Parcel Number

Primary APN	`R-20 0017-3`
Alternative APN	`STOW M:000R-20 P:017-3`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,287 sqft Living Area
Gross Area	8,241 sqft
1st Floor Area	2,822 sqft
Basement Area	2,822 sqft
Unfinished Basement	2,822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	190,270 sqft (4.36 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R-20 0017-3
Street Address	316 W ACTON RD
City	STOW
State	MA
Zip	01775-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	1
Census Block	1006
Census Tract	323102

Owner

316 W Acton Rd is owned by an individual who bought it in December 2017.

Source: Middlesex County and Stow Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 555, STOW, MA 01775-0555
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
Sep 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Apr 25, 2018	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF AMERICA NA
Dec 18, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2017 · Amount on File
Deed Sale	Dec 18, 2017 · Amount on File
Deed Book / Page	70398 / 325
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	316 W ACTON RD, STOW, MA 01775-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75761-506
Date	Sep 30, 2020
Book Page	75761/506
Instrument	174882

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	316 W ACTON RD, STOW, MA 01775-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70912-507
Date	Apr 25, 2018
Book Page	70912/507
Instrument	56085

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Dec 18, 2017
Property Address	316 W ACTON RD, STOW, MA 01775-3101
Document Number	70398-325
Book / Page	070398 / 000325
Instrument Date	Dec 15, 2017
Instrument	4489
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,648.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 W ACTON RD STOW MA 01775, STOW, MA 01775

Mortgage

Document Number	70398-328
Date	Dec 18, 2017
Book Page	070398/000328
Instrument	4490

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 316 W Acton Rd was $20,027, up 5.7% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$20,027.00 (+5.68%)	$1,120,700 (+3.01%) Land $403,500 Building $717,200	$1,199,910 (+11.05%)
2025	$18,951.00 (+3.84%)	$1,087,900 (+1.15%) Land $384,300 Building $703,600	$1,080,530
2024	$18,251.00 (-5.66%)	$1,075,500 (+0.8%) Land $371,900 Building $703,600
2023	$19,345.00	$1,067,000 Land $356,500 Building $710,500

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

Flood

FEMA maps place 316 W Acton Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 316 W Acton Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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