38 Eliot Dr, Stow, MA 01775 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,494 sqft · built 1971
Lot Size	1.58 acres (68,825 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Aug 2019)
Tax Bill	$12,915 (2025)
Deeds & Mortgages	Jan 2021 Refinance Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-6 000020`

Property Details

APN / Parcel Number

Primary APN	`R-6 000020`
Alternative APNs	`STOW M:000R-6 P:020` `M:000R=6 P:020`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,494 sqft Living Area
Gross Area	5,120 sqft
1st Floor Area	1,338 sqft
Attic	Attic
Attic Area	1,642 sqft
Basement Area	1,066 sqft
Unfinished Basement	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1987
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	68,825 sqft (1.58 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	R-6 000020
Street Address	38 ELIOT DR
City	STOW
State	MA
Zip	01775-1009
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	HARVARD ACRES
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	3
Census Block	3002
Census Tract	323102

Owner

Source: Middlesex County and Stow Town records, 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	Individual Name on Record
Mailing Address	38 ELIOT DR, STOW, MA 01775-1009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Aug 5, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Feb 25, 2005 · Amount on Record
Deed Document Number	2019114629
Deed Book / Page	73056 / 564
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Property Address	38 ELIOT DR, STOW, MA 01775-1009
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76774-412
Date	Jan 25, 2021
Book Page	76774/412
Instrument	16751

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STOW MA
Recording Date	Aug 5, 2019
Property Address	38 ELIOT DR, STOW, MA 01775-1009
Document Number	73056-564
Book / Page	73056 / 564
Instrument Date	Aug 2, 2019
Instrument	114629
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	38 ELIOT DR, STOW, MA 01775-1009
Investor	Possibly a Property Investor

Mortgage

Document Number	114630
Date	Aug 5, 2019
Instrument	114630

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,915.00 (-2.81%)	$741,400 (-5.31%) Land $369,300 Building $372,100	$792,015
2024	$13,288.00 (+8.62%)	$783,000 (+16.03%) Land $406,000 Building $377,000
2023	$12,234.00	$674,800 Land $363,000 Building $311,800

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

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	5 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	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 115 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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