4 Garden Cir, Ashland, MA 01721 Property Records

Middlesex County and Ashland Town property record for 4 Garden Cir, Ashland, MA 01721

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,814 sqft · built 1999
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on File
Last Sale	$570,000 (Sep 2017)
Tax Bill	$12,220 (2025)
Deeds & Mortgages	May 2021 Line of Credit Feb 2021 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`M:014/021.0-0161-0000.0`

Property Details

APN / Parcel Number

Primary APN	`M:014/021.0-0161-0000.0`
Alternative APN	`ASHL M:021.0 B:0161 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,814 sqft Living Area
Gross Area	4,403 sqft
1st Floor Area	1,345 sqft
Basement Area	1,345 sqft
Unfinished Basement	745 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 GARDEN CIR
City	ASHLAND
State	MA
Zip	01721-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	161
Jurisdiction	ASHLAND MA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1046
Census Tract	385204

Owner

4 Garden Cir is owned and occupied by two individuals who bought it in September 2017.

Source: Middlesex County and Ashland Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
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
May 18, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Feb 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Apr 9, 2018	Deed of Trust, Mortgage NORTHSTAR MTG CORP
Dec 4, 2018	Deed of Trust, Mortgage · ARM NORTHSTAR MORTGAGE CORP
Jun 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
May 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHSTAR MORTGAGE CORP
Sep 8, 2017	Quit Claim Deed, Transfer NORTHSTAR MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2017 · Amount on File
Deed Sale	Sep 8, 2017 · Amount on File
Prior Sale	Jul 13, 1999 · Amount on File
Deed Book / Page	69899 / 137
Transfer Doc	069899-137
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077801-124
Date	May 18, 2021
Book Page	77801/124
Instrument	112879

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077007-268
Date	Feb 19, 2021
Book Page	77007/268
Instrument	37575

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079657-89
Date	Feb 8, 2022
Book Page	79657/89
Instrument	21013

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70842-540
Date	Apr 9, 2018
Book Page	70842/540
Instrument	47333

Lender

Name	NORTHSTAR MTG CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71965-85
Date	Dec 4, 2018
Book Page	71965/85
Instrument	184507

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2028

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72857-488
Date	Jun 28, 2019
Book Page	72857/488
Instrument	92165

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74592-302
Date	May 1, 2020
Book Page	74592/302
Instrument	65737

Lender

Name	NORTHSTAR MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Sep 8, 2017
Property Address	4 GARDEN CIR, ASHLAND, MA 01721-2532
Document Number	69899-137
Book / Page	69899 / 137
Instrument	145290
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	$97.44
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 GARDEN CIR, ASHLAND, MA 01721-2532

Mortgage

Document Number	698990142
Date	Sep 8, 2017
Instrument	69899/0142

Lender

Name	NORTHSTAR MTG CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4 Garden Cir was $12,220, up 4.9% from the year before.

Source: Middlesex County and Ashland Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ashland Town
Unified School District	Ashland School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,220.00 (+4.94%)	$956,900 (+8.8%) Land $273,800 Building $683,100	$989,330 (+1.04%)
2024	$11,645.00 (+8.62%)	$879,500 (+12.96%) Land $273,800 Building $605,700	$979,165
2023	$10,721.00	$778,600 Land $261,000 Building $517,600

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

Flood

FEMA maps place 4 Garden Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Dec 2023 · river or lake flooding

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

Wildfire risk around 4 Garden Cir 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	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	ASHLAND WATER AND SEWER DEPT. serves 18,832 people · EPA ID MA3014000
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	2 ppb (2026) 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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Garden Cir

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