39 School St, Acton, MA 01720 Property Records

Middlesex County and Acton Town property record for 39 School St, Acton, MA 01720 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,268 sqft · built 1890
Lot Size	0.125 acres (5,432 sqft)
Owner	Individual Name on File
Last Sale	$562,000 (Sep 2025)
Tax Bill	$10,540 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`ACTO M:00H3A B:0024 L:0000`

Property Details

APN / Parcel Number

Primary APN	`ACTO M:00H3A B:0024 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,268 sqft Living Area
Gross Area	1,935 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,432 sqft (0.125 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	39 SCHOOL ST
City	ACTON
State	MA
Zip	01720-3627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Jurisdiction	ACTON MA
Township / Civil Division	ACTON
Census Block Group	1
Census Block	1035
Census Tract	363104

Owner

Source: Middlesex County and Acton Town records · APN ACTO M:00H3A B:0024 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	Individual Name on File
Mailing Address	39 SCHOOL ST, ACTON, MA 01720-3627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CAMBRIDGE SAVINGS BANK
Sep 22, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CAMBRIDGE SAVINGS BANK
Dec 18, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Oct 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Nov 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES
Apr 20, 2018	Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Dec 18, 2024 · Amount on Record
Deed Book / Page	84641 / 166
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084641-189
Date	Sep 22, 2025
Book Page	84641/189
Instrument	114542

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Sep 22, 2025
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Document Number	084641-166
Book / Page	84641 / 166
Instrument Date	Sep 22, 2025
Instrument	114540
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Address	39 SCHOOL ST, ACTON, MA 01720-3627

Mortgage

Document Number	0000114541
Date	Sep 22, 2025
Instrument	114541

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 01, 2032
Index	Other

Mortgage

Document Number	084641-189
Date	Sep 22, 2025
Book Page	84641/189
Instrument	114542

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Dec 18, 2024
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Document Number	083597-416
Book / Page	83597 / 416
Instrument Date	Dec 18, 2024
Instrument	144602
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	39 SCHOOL ST, ACTON, MA 01720-3627

Mortgage

Document Number	0000144603
Date	Dec 18, 2024
Instrument	144603

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ACTON MA
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75987-230
Date	Oct 26, 2020
Book Page	75987/230
Instrument	196390

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Nov 13, 2019
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Document Number	73640-103
Book / Page	73640 / 103
Instrument Date	Nov 12, 2019
Instrument	177371
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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SCHOOL ST, ACTON, MA 01720-3627

Mortgage

Document Number	177372
Date	Nov 13, 2019
Instrument	177372

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ACTON MA
Recording Date	Apr 20, 2018
Property Address	39 SCHOOL ST, ACTON, MA 01720-3627
Document Number	70899-125
Book / Page	70899 / 125
Instrument	54375
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$53.61
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 SCHOOL ST, ACTON, MA 01720-3627

Mortgage

Document Number	708990128
Date	Apr 20, 2018
Instrument	70899/0128

Lender

Name	LOWELL FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Commercial 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	$10,540.00 (+8.67%)	$614,600 (+5.64%) Land $281,400 Building $333,200	$565,440 (-0.37%)
2024	$9,699.00 (-0.7%)	$581,800 (+4.6%) Land $281,400 Building $300,400	$567,530
2023	$9,767.00	$556,200 Land $255,800 Building $300,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173631041, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Nearby Flood Policies	10 in force
Nearby Flood Claims	9 (1980–2017)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Aug 2017, rainfall accumulation

Wildfire

Wildfire Risk	Low above 6% of the US · above 14% 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 146 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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