38 Adams Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 38 Adams Dr, Stow, MA 01775

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,272 sqft · built 2021
Lot Size	4.31 acres (187,744 sqft)
Owner	Individual Name on File
Last Sale	$352,500 (Mar 2021)
Tax Bill	$18,753 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-7 0004-3`

Property Details

APN / Parcel Number

Primary APN	`R-7 0004-3`
Alternative APN	`STOW M:000R-7 P:004-3`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,272 sqft Living Area
Gross Area	5,434 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	187,744 sqft (4.31 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-7 0004-3
Street Address	38 ADAMS DR
City	STOW
State	MA
Zip	01775-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	3
Census Block	3011
Census Tract	323102

Owner

Source: Middlesex County and Stow Town records · APN R-7 0004-3

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	38 ADAMS DR, STOW, MA 01775-1011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 01, 2023	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Mar 31, 2021	Quit Claim Deed, Transfer · Conventional Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Dec 10, 2014 · Amount on Record
Deed Book / Page	77387 / 105
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	38 ADAMS DR, STOW, MA 01775-1011
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081481-493
Date	May 01, 2023
Book Page	81481/493
Instrument	43812

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 01, 2043

Interest

Rate Type	Adjustable Rate

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Mar 31, 2021
Property Address	38 ADAMS DR, STOW, MA 01775-1011
Document Number	077387-105
Book / Page	77387 / 105
Instrument Date	Mar 31, 2021
Instrument	71982
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
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	10 DIGITAL WAY UNIT 10211, 10211, MAYNARD, MA 01754-2289

Mortgage

Document Number	0000071983
Date	Mar 31, 2021
Instrument	71983

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Stow Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$18,753.00 (-0.4%)	$1,076,500 (-2.97%) Land $382,300 Building $694,200	$886,540
2024	$18,828.00 (+15.25%)	$1,109,500 (+23.13%) Land $419,000 Building $690,500
2023	$16,337.00	$901,100 Land $376,000 Building $525,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173231023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 115 locations within half a mile · Last verified October 2026

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

May also be available: T-Mobile USA.

Cell Coverage

5G and 4G LTE (outdoors only)

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