355 Wares Rd, Ashby, MA 01431 Property Records

Middlesex County and Ashby Town property record for 355 Wares Rd, Ashby, MA 01431

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1980
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Aug 2025)
Tax Bill	$5,533 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:015.0 B:0073 L:0017.0`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:015.0 B:0073 L:0017.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,448 sqft
1st Floor Area	816 sqft
Basement Area	408 sqft
Unfinished Basement	408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	44,431 sqft (1.02 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	355 WARES RD
City	ASHBY
State	MA
Zip	01431-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	73
Legal Lot Number	17.0
Jurisdiction	ASHBY MA
Township / Civil Division	ASHBY
Census Block Group	2
Census Block	2032
Census Tract	300100

Owner

355 Wares Rd is owned and occupied by an individual who bought it in August 2025.

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

Owner of Record	Individual Name on File
Mailing Address	355 WARES RD, ASHBY, MA 01431-2138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 1, 2026	Deed of Trust, Mortgage · FHA Mortgage
Aug 8, 2025	Quit Claim Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Mar 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Aug 12, 2022	Quit Claim Deed, Transfer · FHA Mortgage LOWER LLC
Jul 29, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2025 · Amount on File
Deed Sale	Aug 8, 2025 · Amount on File
Prior Sale	Mar 1, 2023 · Amount on File
Deed Document Number	202594711
Deed Book / Page	84469 / 369
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBY MA
Recording Date	Jul 1, 2026
Property Address	355 WARES RD, ASHBY, MA 01431-2138
Document Number	0000080333
Book / Page	85820 / 42
Instrument Date	Jun 23, 2026
Instrument	202680333
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 WARES RD, ASHBY, MA 01431-2138

Mortgage

Document Number	0000080333,
Date	Jul 1, 2026
Book Page	85820/42
Instrument	202680333

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Aug 8, 2025
Property Address	355 WARES RD, ASHBY, MA 01431-2138
Document Number	084469-369
Book / Page	84469 / 369
Instrument Date	Aug 8, 2025
Instrument	94711
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	355 WARES RD, ASHBY, MA 01431-2138

Mortgage

Document Number	0000094712
Date	Aug 8, 2025
Instrument	94712

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Mar 1, 2023
Property Address	355 WARES RD, ASHBY, MA 01431-2138
Document Number	081291-249
Book / Page	81291 / 249
Instrument Date	Mar 1, 2023
Instrument	20858
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	355 WARES RD, ASHBY, MA 01431-2138

Mortgage

Document Number	0000020859
Date	Mar 1, 2023
Instrument	20859

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Aug 12, 2022
Property Address	355 WARES RD, ASHBY, MA 01431-2138
Document Number	0080574-72
Book / Page	80574 / 72
Instrument Date	Aug 3, 2022
Instrument	124170
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	Tenants by the Entirety
Address	355 WARES RD, ASHBY, MA 01431-2138
Investor	Possibly a Property Investor

Mortgage

Document Number	0000124171
Date	Aug 12, 2022
Instrument	124171

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBY MA
Recording Date	Jul 29, 2020
Property Address	355 WARES RD, ASHBY, MA 01431-2138
Document Number	75241-552
Book / Page	75241 / 552
Instrument Date	Jul 27, 2020
Instrument	125253
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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
Address	355 WARES RD, ASHBY, MA 01431-2138

Mortgage

Document Number	125254
Date	Jul 29, 2020
Instrument	125254

Lender

Name	NEIGHBORS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 355 Wares Rd was $5,533, up 0.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,533.00 (+0.86%)	$351,100 (-2.53%) Land $64,400 Building $286,700	$465,572 (-4.64%)
2025	$5,486.00 (+14.77%)	$360,200 (+17.02%) Land $64,400 Building $295,800	$488,205 (+12.43%)
2024	$4,780.00 (+5.89%)	$307,800 (+11.97%) Land $62,000 Building $245,800	$434,245
2023	$4,514.00	$274,900 Land $57,200 Building $217,700

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

Flood

FEMA maps place 355 Wares 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 355 Wares 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 80% of the US · above 57% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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