40 Orchard Dr, Stow, MA 01775 Property Records

Middlesex County and Stow Town property record for 40 Orchard Dr, Stow, MA 01775

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 2,595 sqft · built 2007
Lot Size	36.7 acres (1,599,459 sqft)
Owner	Individual Name on Record
Last Sale	$569,000 (Aug 2020)
Tax Bill	$13,690 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R-10 65A-54`

Property Details

APN / Parcel Number

Primary APN	`R-10 65A-54`
Alternative APNs	`STOW M:000R-10 P:065A-54` `M:000R=10 P:065A=54`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,595 sqft Living Area
Gross Area	4,415 sqft
1st Floor Area	1,239 sqft
Basement Area	1,062 sqft
Unfinished Basement	1,062 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-54
Street Address	40 ORCHARD DR
City	STOW
State	MA
Zip	01775-1069
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	I,B
Legal Subdivision	VILLAGES STOW CONDO
Jurisdiction	STOW MA
Township / Civil Division	STOW
Census Block Group	2
Census Block	2000
Census Tract	323102

Owner

Source: Middlesex County and Stow 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	Individual Name on Record
Mailing Address	40 ORCHARD DR, STOW, MA 01775-1069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Mar 23, 2012 · Amount on Record
Deed Document Number	2020129867
Deed Book / Page	75290 / 563
Transfer Doc	58735-586
Record Updated	Oct 29, 2026

August 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	STOW MA
Recording Date	Aug 4, 2020
Property Address	40 ORCHARD DR, STOW, MA 01775-1069
Document Number	75290-563
Book / Page	75290 / 563
Instrument Date	Jul 17, 2020
Instrument	129867
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	40 ORCHARD DR, STOW, MA 01775-1069

Mortgage

Document Number	129868
Date	Aug 4, 2020
Instrument	129868

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$13,690.00 (+1.66%)	$766,100 (-0.91%) Building $766,100	$773,873 (+9.17%)
2025	$13,467.00 (+5.98%)	$773,100 (+3.25%) Building $773,100	$708,890
2024	$12,707.00 (-2.66%)	$748,800 (+4%) Building $748,800
2023	$13,054.00	$720,000 Building $720,000

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

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

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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