40 Independence Ln, Ashland, MA 01721 Property Records

Middlesex County and Ashland Town property record for 40 Independence Ln, Ashland, MA 01721

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,500 sqft · built 2001
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (Jan 2022)
Tax Bill	$13,277 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:014/003.0-0032-0000.0`

Property Details

APN / Parcel Number

Primary APN	`M:014/003.0-0032-0000.0`
Alternative APN	`ASHL M:003.0 B:0032 L:0000.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,500 sqft Living Area
1st Floor Area	1,724 sqft
Basement Area	1,724 sqft
Unfinished Basement	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 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	40 INDEPENDENCE LN
City	ASHLAND
State	MA
Zip	01721-3024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	32
Jurisdiction	ASHLAND MA
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3017
Census Tract	385102

Owner

Source: Middlesex County and Ashland Town records, as of July 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	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE NETWORK INC
Sep 26, 2017	Deed of Trust, Mortgage UNITED WHOLESALE MORTGAGE
May 21, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Jun 2, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2022 · Amount on Record
Deed Sale	Jan 28, 2022 · Amount on Record
Prior Sale	Sep 13, 2001 · Amount on Record
Deed Document Number	202215497
Deed Book / Page	79605 / 527
Record Updated	Sep 20, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Jan 28, 2022
Property Address	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024
Document Number	079605-527
Book / Page	79605 / 527
Instrument Date	Jan 28, 2022
Instrument	15497
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount Recorded
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	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024

Mortgage

Document Number	0000015498
Date	Jan 28, 2022
Instrument	15498

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Feb 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69981-473
Date	Sep 26, 2017
Book Page	69981/473
Instrument	155296

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024
Document Number	74845-388
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 INDEPENDENCE LN ASHLAND MA 017213024, ASHLAND, MA 01721-3024

Mortgage

Document Number	74845-388
Date	Jun 9, 2020
Book Page	074845/000388
Instrument	88747

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 8, 2045

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHLAND MA
Property Address	40 INDEPENDENCE LN, ASHLAND, MA 01721-3024
Document Number	71302-150
Instrument Date	Jun 2, 2018
Transaction Type	Mortgage
Record Updated	Jul 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 INDEPENDENCE LN ASHLAND MA 017213024, ASHLAND, MA 01721-3024

Mortgage

Document Number	71302-150
Date	Jul 12, 2018
Book Page	071302/000150
Instrument	103103

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$13,277.00 (+4.4%)	$1,039,700 (+8.25%) Land $273,600 Building $766,100	$1,120,430 (+0.6%)
2024	$12,717.00 (+6.61%)	$960,500 (+10.87%) Land $273,600 Building $686,900	$1,113,780
2023	$11,929.00	$866,300 Land $261,100 Building $605,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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