4 Clover Ter, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 4 Clover Ter, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,431 sqft · built 1971
Lot Size	0.925 acres (40,293 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,971 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`62-0000004K`

Property Details

APN / Parcel Number

Primary APN	`62-0000004K`
Alternative APN	`NATI M:00000062 P:0000004K`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,431 sqft Living Area
1st Floor Area	845 sqft
Attic	Attic
Attic Area	143 sqft
Basement Area	598 sqft
Unfinished Basement	598 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1974
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	40,293 sqft (0.925 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	62-0000004K
Street Address	4 CLOVER TER
City	NATICK
State	MA
Zip	01760-5400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB
Legal Subdivision	RIVERBEND DRIVE
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2005
Census Tract	382300

Owner

Source: Middlesex County and Natick Town records, as of October 20, 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 Record
Mailing Address	4 CLOVER TER, NATICK, MA 01760-5400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jun 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Sep 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Mar 29, 2018	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	4 CLOVER TER, NATICK, MA 01760-5400
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078307-121
Date	Jul 23, 2021
Book Page	78307/121
Instrument	165503

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	4 CLOVER TER, NATICK, MA 01760-5400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74783-517
Date	Jun 1, 2020
Book Page	74783/517
Instrument	82690

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	4 CLOVER TER, NATICK, MA 01760-5400
Document Number	71763-97
Instrument Date	Sep 8, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CLOVER TER NATICK MA 017605400, NATICK, MA 01760-5400

Mortgage

Document Number	71763-97
Date	Oct 18, 2018
Book Page	071763/000097
Instrument	160495

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Mar 29, 2018
Property Address	4 CLOVER TER, NATICK, MA 01760-5400
Document Number	70796-509
Book / Page	070796 / 000509
Instrument Date	Mar 24, 2018
Instrument	41987
Transaction Type	Transfer
Record Updated	Apr 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 CLOVER TER NATICK MA 017605400, NATICK, MA 01760-5400

Mortgage

Document Number	70796-512
Date	Mar 29, 2018
Book Page	070796/000512
Instrument	41988

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 28, 2038

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	$11,971.00 (+4.14%)	$1,000,900 (+6.75%) Land $518,200 Building $482,700	$1,278,320
2024	$11,495.00 (+3.45%)	$937,600 (+6.65%) Land $489,500 Building $448,100
2023	$11,112.00	$879,100 Land $454,500 Building $424,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

May also be available: Astound Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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