39 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 39 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,524 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on File
Last Sale	$474,000 (Mar 2020)
Tax Bill	$12,504 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-38`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-38`
Alternative APNs	`STOW M:000R-10 P:065A-38` `M:000R=10 P:065A=38`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,524 sqft Living Area
Gross Area	4,278 sqft
1st Floor Area	957 sqft
Basement Area	957 sqft
Unfinished Basement	957 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
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-38
Street Address	39 ORCHARD DR
City	STOW
State	MA
Zip	01775-1067
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

39 Orchard Dr, a condominium, is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	39 ORCHARD DR, STOW, MA 01775-1067
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

Date	Document
Mar 27, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage ROCKLAND TRUST CO
Dec 27, 2019	Condominium Deed, Transfer · Conventional Mortgage GJC LLC
Sep 20, 2018	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Prior Sale	Dec 27, 2019 · Amount on File
Deed Document Number	202046060
Deed Book / Page	74365 / 89
Transfer Doc	71641-383
Record Updated	Oct 29, 2026

March 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Mar 27, 2020
Property Address	39 ORCHARD DR, STOW, MA 01775-1067
Document Number	74365-89
Book / Page	74365 / 89
Instrument Date	Mar 26, 2020
Instrument	46060
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
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	39 ORCHARD DR # 38, 38, STOW, MA 01775-1067

Mortgage

Document Number	46061
Date	Mar 27, 2020
Instrument	46061

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2019: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Dec 27, 2019
Property Address	39 ORCHARD DR, STOW, MA 01775-1067
Document Number	73907-380
Book / Page	073907 / 000380
Instrument Date	Dec 26, 2019
Instrument	7648
Transaction Type	Transfer
Record Updated	Jan 15, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,052.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 WALDO TER BOSTON MA 021352908, BOSTON, MA 02135-2908

Mortgage

Document Number	73907-383
Date	Dec 27, 2019
Book Page	073907/000383
Instrument	7649

Lender

Name	GJC LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	73907-404,
Date	Dec 27, 2019
Book Page	073907/000404
Instrument	7650

Lender

Name	JRB CAP INV

Agreement

Amount	Amount on Record

September 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Sep 20, 2018
Property Address	39 ORCHARD DR, STOW, MA 01775-1067
Document Number	71641-383
Book / Page	071641 / 000383
Instrument Date	Sep 17, 2018
Instrument	145465
Transaction Type	Transfer
Record Updated	Oct 9, 2018

Transaction

Amount	Amount on Record
Tax	$2,165.54
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 614 LINCOLN MA 017730614, LINCOLN, MA 01773-0614

Tax Assessment & Valuation

The 2026 property tax bill for 39 Orchard Dr was $12,504, 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	$12,504.00 (+1.58%)	$699,700 (-0.98%) Building $699,700	$686,532 (+15.59%)
2025	$12,309.00 (+8.13%)	$706,600 (+5.34%) Building $706,600	$593,940
2024	$11,383.00 (+2.44%)	$670,800 (+9.45%) Building $670,800
2023	$11,112.00	$612,900 Building $612,900

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

Flood

FEMA maps place 39 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 39 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

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