38 Curtis Rd, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 38 Curtis Rd, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,496 sqft · built 2023
Lot Size	0.263 acres (11,452 sqft)
Owner	2 Individual Names on File
Last Sale	$1,575,000 (Sep 2023)
Tax Bill	$17,408 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-00000121`

Property Details

APN / Parcel Number

Primary APN	`32-00000121`
Alternative APN	`NATI M:00000032 P:00000121`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,496 sqft Living Area
1st Floor Area	816 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,452 sqft (0.263 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	32-00000121
Street Address	38 CURTIS RD
City	NATICK
State	MA
Zip	01760-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	1
Census Block	1001
Census Tract	382602

Owner

Source: Middlesex County and Natick Town assessment roll, as of April 14, 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 CURTIS RD, NATICK, MA 01760-3224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage CITIBANK NA
Sep 1, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIBANK NA
Sep 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MUTUALONE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 1, 2023 · Amount on Record
Deed Sale	Sep 1, 2023 · Amount on Record
Prior Sale	Sep 30, 2022 · Amount on Record
Deed Document Number	202399753
Deed Book / Page	81961 / 154
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	38 CURTIS RD, NATICK, MA 01760-3224
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084798-218
Date	Oct 29, 2025
Book Page	84798/218
Instrument	131345

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Type Change Date	Nov 1, 2030
Index	Other

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Sep 1, 2023
Property Address	38 CURTIS RD, NATICK, MA 01760-3224
Document Number	081961-154
Book / Page	81961 / 154
Instrument Date	Sep 1, 2023
Instrument	99753
Transaction Type	Transfer
Record Updated	Feb 14, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	38 CURTIS RD, NATICK, MA 01760-3224

Mortgage

Document Number	0000099754
Date	Sep 1, 2023
Instrument	99754

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2033
Max Rate At Change	2.75%
Index	Other

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Sep 30, 2022
Property Address	38 CURTIS RD, NATICK, MA 01760-3224
Document Number	080779-513
Book / Page	80779 / 513
Instrument Date	Sep 30, 2022
Instrument	148220
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	46 MARION ST, NATICK, MA 01760-3643

Mortgage

Document Number	0000148221
Date	Sep 30, 2022
Instrument	148221

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,408.00 (+252.39%)	$1,455,500 (+261.26%) Land $428,100 Building $1,027,400	$1,613,290
2024	$4,940.00 (-15.43%)	$402,900 (-12.81%) Land $402,900
2023	$5,841.00	$462,100 Land $387,500 Building $74,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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	3 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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