32 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 32 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,258 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on File
Last Sale	$691,000 (Oct 2023)
Tax Bill	$12,259 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-57`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-57`
Alternative APN	`STOW M:000R-10 P:065A-57`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,258 sqft Living Area
Gross Area	4,450 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-10 65A-57
Street Address	32 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

32 Orchard Dr, a condominium, is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	32 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
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
Oct 11, 2023	Condominium Deed, Transfer · Stand-Alone First Mortgage FALL RIVER FIVE CENTS SAVINGS BANK
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Apr 12, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Prior Sale	Apr 12, 2018 · Amount on File
Deed Book / Page	82083 / 464
Transfer Doc	070858-140
Record Updated	Oct 29, 2026

October 2023: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Oct 11, 2023
Property Address	32 ORCHARD DR, STOW, MA 01775-1069
Document Number	082083-464
Book / Page	82083 / 464
Instrument Date	Oct 10, 2023
Instrument	114802
Transaction Type	Transfer
Record Updated	Oct 27, 2023

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	32 ORCHARD DR, STOW, MA 01775-1069

Mortgage

Document Number	0000114803
Date	Oct 11, 2023
Instrument	114803

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	32 ORCHARD DR, STOW, MA 01775-1069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76468-21
Date	Dec 18, 2020
Book Page	76468/21
Instrument	242142

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2048

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Apr 12, 2018
Property Address	32 ORCHARD DR, STOW, MA 01775-1069
Document Number	70858-140
Book / Page	070858 / 000140
Instrument Date	Feb 23, 2018
Instrument	49360
Transaction Type	Transfer
Record Updated	May 1, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,088.48
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 ORCHARD DR STOW MA 017751069, STOW, MA 01775-1069

Mortgage

Document Number	70858-144
Date	Apr 12, 2018
Book Page	070858/000144
Instrument	49361

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 32 Orchard Dr was $12,259, up 1.6% 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	$12,259.00 (+1.61%)	$686,000 (-0.95%) Building $686,000	$687,101 (+6.75%)
2025	$12,065.00 (+5.99%)	$692,600 (+3.25%) Building $692,600	$643,625
2024	$11,383.00 (-2.43%)	$670,800 (+4.24%) Building $670,800
2023	$11,667.00	$643,500 Building $643,500

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

Flood

FEMA maps place 32 Orchard Dr 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 32 Orchard Dr 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	Indirect within 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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 93 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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