38 Orchard Dr, Stow, MA 01775 Property Records

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

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,468 sqft · built 2006
Lot Size	36.7 acres (1,599,459 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Jul 2015)
Tax Bill	$13,213 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-55`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-55`
Alternative APNs	`STOW M:000R-10 P:065A-55` `M:000R=10 P:065A=55`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	4,296 sqft
1st Floor Area	1,096 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	1,599,459 sqft
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R-10 65A-55
Street Address	38 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Legal Subdivision	VILLAGES STOW CONDO
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

38 Orchard Dr, a condominium, is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	38 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2015 · Amount on File
Deed Sale	Jul 24, 2015 · Amount on File
Prior Sale	May 13, 2010 · Amount on File
Deed Document Number	2015121217
Deed Book / Page	65788 / 344
Transfer Doc	065788-344
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOW MA
Recording Date	Jun 8, 2026
Property Address	38 ORCHARD DR, STOW, MA 01775-1069
Document Number	0000067298
Book / Page	85704 / 311
Instrument Date	Apr 24, 2026
Instrument	202667298
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ORCHARD DR, STOW, MA 01775-1069

Mortgage

Document Number	085704-311,
Date	Jun 8, 2026
Book Page	85704/311
Instrument	202667298

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 38 Orchard Dr was $13,213, up 1.6% from the year before.

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
2026	$13,213.00 (+1.55%)	$739,400 (-1%) Building $739,400	$749,883 (+1%)
2025	$13,011.00 (+4.86%)	$746,900 (+2.15%) Building $746,900	$742,425
2024	$12,408.00 (-1.17%)	$731,200 (+5.59%) Building $731,200
2023	$12,555.00	$692,500 Building $692,500

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

Flood

FEMA maps place 38 Orchard Dr 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 38 Orchard Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect 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	VILLAGES AT STOW private · serves 300 people · EPA ID MA2286024
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 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

Nearby Properties on Orchard Dr

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