38 Central St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 38 Central St, Acton, MA 01720 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2.5 Baths
Year Built	Built 1960
Square Footage	2,238 sqft Living Area
Lot Size	26,900 sqft (0.618 acres)
Occupancy	Owner Occupied
Last Sale	$989,000 (2025)
Tax Bill	$13,655.00 (2025)

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00G2A B:0076 L:0000

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

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

Owner of Record	2 Individual Names on File
Mailing Address	38 CENTRAL ST, ACTON, MA 01720-3523
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Tenant By Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2025	Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage SALEM FIVE MORTGAGE CORP
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Apr 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage LENDERFI
Feb 25, 2019	Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2025 · Amount on Record
Deed Sale	Apr 22, 2025 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Book / Page	83993 / 523
Record Refreshed	Sep 20, 2026

April 2025: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	ACTON MA
Recording Date	Apr 22, 2025
Property Address	38 CENTRAL ST, ACTON, MA 01720-3523
Document Number	083993-523
Book / Page	83993 / 523
Instrument Date	Apr 22, 2025
Instrument	41671
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	38 CENTRAL ST, ACTON, MA 01720-3523

Mortgage

Document Number	0000041672
Date	Apr 22, 2025
Instrument	41672

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	38 CENTRAL ST, ACTON, MA 01720-3523
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71907-495
Date	Nov 20, 2018
Book Page	71907/495
Instrument	177857

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 01, 2038

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	38 CENTRAL ST, ACTON, MA 01720-3523
Document Number	72489-362
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	Apr 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	38 CENTRAL ST ACTON MA 017203523, ACTON, MA 01720-3523

Mortgage

Document Number	72489-362
Date	Apr 23, 2019
Book Page	072489/000362
Instrument	50122

Lender

Name	LENDERFI
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2049

February 2019: Quit Claim Arm's Length for NE States, Transfer

Document Type	Quit Claim Arm's Length for NE States
Jurisdiction	ACTON MA
Recording Date	Feb 25, 2019
Property Address	38 CENTRAL ST, ACTON, MA 01720-3523
Document Number	72262-322
Book / Page	72262 / 322
Instrument Date	Feb 20, 2019
Instrument	23015
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 CENTRAL ST, ACTON, MA 01720-3523

Mortgage

Document Number	23016
Date	Feb 25, 2019
Instrument	23016

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Acton Town
Unified School District	Acton-Boxborough Regional 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	$13,655.00 (+7.28%)	$796,200 (+4.28%) Land $278,100 Building $518,100	$933,280 (+14.83%)
2024	$12,728.00 (+2.35%)	$763,500 (+7.81%) Land $278,100 Building $485,400	$812,725
2023	$12,436.00	$708,200 Land $252,900 Building $455,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 3% of the US · above 6% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00G2A B:0076 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	2,238 sqft Living Area
Gross Area	4,070 sqft Gross Area
Stories	2 Stories

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial Style
Exterior Material	Aluminum/Vinyl Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	26,900 sqft (0.618 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Street Address	38 CENTRAL ST
City	ACTON
State	MA
Zip	01720-3523
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	76
Jurisdiction	ACTON MA
Minor Civil Division	ACTON
Census Blockgroup	2
Census Block	2008
Census Tract	363202

38 Central St, Acton, MA 01720 Property Records

Property Highlights

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2025: Quit Claim Arm's Length for NE States, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2019: Quit Claim Arm's Length for NE States, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Nearby Properties on Central St

Nearby Streets

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