32 Pine St, Sudbury, MA 01776 Property Records

Middlesex County and Sudbury Town property record for 32 Pine St, Sudbury, MA 01776

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,434 sqft · built 1957
Lot Size	0.918 acres (40,001 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Jun 2022)
Tax Bill	$11,300 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SUDB H-04-00248`

Property Details

APN / Parcel Number

Primary APN	`SUDB H-04-00248`
Alternative APN	`H=04=00248`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
Gross Area	3,180 sqft
Basement Area	313 sqft
Unfinished Basement	313 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,001 sqft (0.918 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	32 PINE ST
City	SUDBURY
State	MA
Zip	01776-2563
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESA
Legal Subdivision	HOLMAN S HALF ACRE
Jurisdiction	SUDBURY MA
Township / Civil Division	SUDBURY
Census Block Group	3
Census Block	3009
Census Tract	365201

Owner

32 Pine St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	32 PINE ST, SUDBURY, MA 01776-2563
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
Aug 16, 2018	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Jul 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 25, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Book / Page	80345 / 405
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUDBURY MA
Recording Date	Jun 28, 2022
Property Address	32 PINE ST, SUDBURY, MA 01776-2563
Document Number	080345-405
Book / Page	80345 / 405
Instrument Date	Jun 28, 2022
Instrument	97521
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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 PINE ST, SUDBURY, MA 01776-2563

Mortgage

Document Number	0000097522
Date	Jun 28, 2022
Instrument	97522

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUDBURY MA
Property Address	32 PINE ST, SUDBURY, MA 01776-2563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71484-441
Date	Aug 16, 2018
Book Page	71484/441
Instrument	125819

Lender

Name	SANTANDER BANK NA

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUDBURY MA
Property Address	32 PINE ST, SUDBURY, MA 01776-2563
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75188-145
Date	Jul 23, 2020
Book Page	75188/145
Instrument	120241

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUDBURY MA
Recording Date	Sep 25, 2020
Property Address	32 PINE ST, SUDBURY, MA 01776-2563
Document Number	75716-23
Book / Page	75716 / 23
Instrument Date	Sep 11, 2020
Instrument	170990
Transaction Type	Transfer
Record Updated	May 12, 2021

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	PINE ST, SUDBURY, MA

Mortgage

Document Number	170991
Date	Sep 25, 2020
Instrument	170991

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 32 Pine St was $11,300, up 2.5% from the year before.

Source: Middlesex County and Sudbury Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Sudbury Town
Secondary School District	Lincoln-Sudbury School District (09 - 12)
Elementary School District	Sudbury School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,300.00 (+2.48%)	$791,900 (+5.14%) Land $450,400 Building $341,500	$894,397 (-12.72%)
2025	$11,027.00 (+3.58%)	$753,200 (+3.36%) Land $424,800 Building $328,400	$1,024,765 (+3.06%)
2024	$10,646.00 (+7.3%)	$728,700 (+15.81%) Land $412,400 Building $316,300	$994,365
2023	$9,922.00	$629,200 Land $374,800 Building $254,400

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

Flood

FEMA maps place 32 Pine St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	4 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2022 · 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

Wildfire risk around 32 Pine St 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
Adjoins Burnable Land	Yes

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	SUDBURY WATER DISTRICT serves 18,416 people · EPA ID MA3288000
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 129 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 and 4G LTE (outdoors only)

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